264 Charming Ln, Hendersonville, NC 28792 Property Records

Henderson County property record for 264 Charming Ln, Hendersonville, NC 28792

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,610 sqft · built 2006
Lot Size	1.42 acres (61,855 sqft)
Owner	Individual Name on File
Last Sale	$605,000 (Mar 2026)
Tax Bill	$2,626 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9671418354`

Property Details

APN / Parcel Number

Primary APN	`9671418354`
Alternative APN	`1002892`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,610 sqft Heated Area
1st Floor Area	1,424 sqft
Upper Floors Area	854 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Raised
Lot Area	61,855 sqft (1.42 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	192 sqft
Utility Building	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1002892
Street Address	264 CHARMING LN
City	HENDERSONVILLE
State	NC
Zip	28792-7754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1002892~R3
Legal Description	VILLAGE ON CHARMING LN LO8 PL2005-5803
Legal Subdivision	VILLAGE CHARMING LANE
Legal Block	41
Legal Lot Number	8354
Jurisdiction	HENDERSON NC
Township / Civil Division	CLEAR CREEK
Census Block Group	1
Census Block	1007
Census Tract	930401

Owner

264 Charming Ln is owned and occupied by an individual who bought it in March 2026.

Source: Henderson County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	264 CHARMING LN, HENDERSONVILLE, NC 28792-7754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 24, 2026	Warranty Deed, Transfer · Conventional Mortgage CHAMPION CU
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRIME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2026 · Amount on File
Deed Sale	Mar 24, 2026 · Amount on File
Prior Sale	Feb 28, 2017 · Amount on File
Deed Document Number	20261046458
Deed Book / Page	4414 / 44
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	264 CHARMING LN, HENDERSONVILLE, NC 28792-7754
Transaction Type	Mortgage
Record Updated	Apr 17, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037790577
Date	Sep 8, 2021
Book Page	3779/577
Instrument	962181

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Mar 24, 2026
Property Address	264 CHARMING LN, HENDERSONVILLE, NC 28792-7754
Document Number	0044140044
Book / Page	4414 / 44
Map Reference	SL 5803
Instrument Date	Mar 20, 2026
Instrument	1001046458
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 SWEET GUM HL, FLETCHER, NC 28732-5518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 CHARMING LN, HENDERSONVILLE, NC 28792-7754

Mortgage

Document Number	1001046459
Date	Mar 24, 2026
Instrument	1001046459

Lender

Name	CHAMPION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	11.7%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	264 CHARMING LN, HENDERSONVILLE, NC 28792-7754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030230053
Date	Feb 28, 2017
Book Page	3023/53
Instrument	858693

Lender

Name	PRIME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 264 Charming Ln was $2,626.

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		$518,500 (+7.77%) Land $118,400 Building $400,100
2025	$2,626.00	$481,100 Land $118,400 Building $362,700
2023		$481,100 Land $118,400 Building $362,700	$518,500 Land $118,400 Building $400,100

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

Flood

FEMA maps place 264 Charming Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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

Wildfire risk around 264 Charming Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Charming Ln

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