25 Armstrong Rd, Etowah, NC 28729 Property Records

Henderson County property record for 25 Armstrong Rd, Etowah, NC 28729

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,900 sqft · built 1982
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Jun 2023)
Tax Bill	$1,630 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`9528275172`

Property Details

APN / Parcel Number

Primary APN	`9528275172`
Alternative APNs	`0802142` `802142`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,900 sqft Heated Area
1st Floor Area	880 sqft
Basement Area	880 sqft
Finished Basement	880 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Deck Area	100 sqft
Balcony Area	140 sqft
Canopy	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	802142
Street Address	25 ARMSTRONG RD
City	ETOWAH
State	NC
Zip	28729-9721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	802142~R2R
Legal Description	SLD 10767 PL2017-10767
Legal Subdivision	HEATHERLY PROP
Legal Block	27
Legal Lot Number	5172
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	3
Census Block	3012
Census Tract	930703

Owner

Source: Henderson County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Nov 25, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK
Jul 18, 2017	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	20231000196
Deed Book / Page	4061 / 590
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Aug 24, 2026
Property Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Document Number	0001054600
Book / Page	4481 / 174
Instrument Date	Aug 18, 2026
Instrument	20261054600
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721

Mortgage

Document Number	0001054600,
Date	Aug 24, 2026
Book Page	4481/174
Instrument	20261054600

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Jul 14, 2026
Property Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Document Number	0001052549
Book / Page	4464 / 563
Instrument Date	Jul 9, 2026
Instrument	20261052549
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721

Mortgage

Document Number	0001052549,
Date	Jul 14, 2026
Book Page	4464/563
Instrument	20261052549

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721

Mortgage

Document Number	0043590487
Date	Nov 3, 2025
Book Page	4359/487
Instrument	1001039711

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jun 30, 2023
Property Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Document Number	0040610590
Book / Page	4061 / 590
Map Reference	MB 2017 PG 10767
Instrument Date	Jun 27, 2023
Instrument	1001000196
Transaction Type	Transfer
Record Updated	Oct 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 PALISADES CIR APT 104, 104, BELMONT, NC 28012-3598

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721

Mortgage

Document Number	0040610593
Date	Jun 30, 2023
Book Page	4061/593
Instrument	1001000197

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	NATIONAL LINK ORIGINATIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038080087
Date	Oct 22, 2021
Book Page	3808/87
Instrument	965745

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Document Number	0034350286
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ARMSTRONG RD ETOWAH NC 287299721, ETOWAH, NC 28729-9721

Mortgage

Document Number	0034350286
Date	Jan 6, 2020
Book Page	003435/000286
Instrument	917591

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	468 Months
Due	Jan 5, 2059

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 18, 2017
Property Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721
Document Number	0030790591
Book / Page	3079 / 591
Instrument Date	Jul 18, 2017
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ARMSTRONG RD, ETOWAH, NC 28729-9721

Mortgage

Document Number	0030790594
Date	Jul 18, 2017
Book Page	3079/594

Lender

Name	ATLANTIC BAY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$298,600 (-) Land $40,200 Building $258,400
2025	$1,630.00
2023		$298,600 Land $40,200 Building $258,400	$298,600 Land $40,200 Building $258,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	7 (2013–2024)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Oct 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Oct 2024 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HENDERSONVILLE serves 79,278 people · EPA ID NC0145010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon, Vyve Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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