Henderson County property record for 2690 Upward Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,844 sqft · built 2014 |
| Lot Size | 3.13 acres (136,343 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $900,000 (Apr 2026) |
| Tax Bill | $4,332 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9599400285 |
| Primary APN | 9599400285 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,844 sqft Heated Area |
| 1st Floor Area | 2,422 sqft |
| Upper Floors Area | 2,422 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 136,343 sqft (3.13 acres) |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 344 sqft |
| Deck Area | 192 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 2,548 sqft |
| Utility Building | 600 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 200426 |
|---|---|
| Street Address | 2690 UPWARD RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-5734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 200426~R2R |
| Legal Description | SR1722 ON RIDGE ROAD |
| Legal Subdivision | WILLIAM PATTERSON |
| Legal Block | 40 |
| Legal Lot Number | 285 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 930201 |
Source: Henderson County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 N MAIN ST, HENDERSONVILLE, NC 28792-5076 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Apr 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FEDERAL CREDIT UNION |
| Apr 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED FEDERAL CREDIT UNION |
| Apr 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on File |
| Deed Sale | Apr 30, 2026 · Amount on File |
| Deed Document Number | 20261048533 |
| Deed Book / Page | 4431 / 530 |
| Prior Transfer Date | Jun 9, 2015 |
| Prior Transfer Doc | 0016210406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Apr 30, 2026 |
| Property Address | 2690 UPWARD RD, FLAT ROCK, NC 28731-5734 |
| Document Number | 0001048534 |
| Book / Page | 4431 / 533 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20261048534 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2690 UPWARD RD, FLAT ROCK, NC 28731-5734 |
| Document Number | 0001048534, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 4431/533 |
| Instrument | 20261048534 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Apr 30, 2026 |
| Property Address | 2690 UPWARD RD, FLAT ROCK, NC 28731-5734 |
| Document Number | 0001048533 |
| Book / Page | 4431 / 530 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 2026.1048533 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $181,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 N MAIN ST, HENDERSONVILLE, NC 28792-5076 |
| Document Number | 0001048534, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026.1048534 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Apr 30, 2026 |
| Property Address | 2690 UPWARD RD, FLAT ROCK, NC 28731-5734 |
| Document Number | 0044310530 |
| Book / Page | 4431 / 530 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 20261048533 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $181,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 N MAIN ST, HENDERSONVILLE, NC 28792-5076 |
| Document Number | 0001048534, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 20261048534 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $758,800 (-) Land $64,100 Building $694,700 | ||
| 2025 | $4,332.00 | $758,800 (-) Land $64,100 Building $694,700 | |
| 2023 | $758,800 Land $64,100 Building $694,700 | $758,800 Land $64,100 Building $694,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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