Henderson County property record for 287 Duncan Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,375 sqft · built 1979 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Dec 2025) |
| Tax Bill | $1,128 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 9578578914 |
| Primary APN | 9578578914 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,375 sqft Heated Area |
| 1st Floor Area | 1,075 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 63 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Canopy | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 101140 |
|---|---|
| Street Address | 287 DUNCAN RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-4710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 101140~R1 |
| Legal Description | SR1754 ON DUNCAN RD |
| Legal Subdivision | FLAT ROCK |
| Legal Block | 57 |
| Legal Lot Number | 8914 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 931000 |
Source: Henderson County records, as of August 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 62, EAST FLAT ROCK, NC 28726-0062 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Aug 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Dec 11, 2025 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2025 · Amount on Record |
| Deed Sale | Dec 11, 2025 · Amount on Record |
| Prior Sale | Mar 30, 2005 · Amount on Record |
| Deed Document Number | 20251041686 |
| Deed Book / Page | 4375 / 712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Aug 10, 2026 |
| Property Address | 287 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Document Number | 0001053923 |
| Book / Page | 4475 / 558 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20261053923 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 355 OAKDALE DR, HENDERSONVILLE, NC 28791-2043 |
| Document Number | 0001053923, |
|---|---|
| Date | Aug 10, 2026 |
| Book Page | 4475/558 |
| Instrument | 20261053923 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Dec 11, 2025 |
| Property Address | 287 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Document Number | 0043750712 |
| Book / Page | 4375 / 712 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 1001041686 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 W PARK PL, MARION, NC 28752-8471 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 62, EAST FLAT ROCK, NC 28726-0062 |
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 | $201,200 (-) Land $30,800 Building $170,400 | ||
| 2025 | $1,128.00 | $201,200 (-) Land $30,800 Building $170,400 | |
| 2024 | $1,128.00 | ||
| 2023 | $201,200 Land $30,800 Building $170,400 | $201,200 Land $30,800 Building $170,400 |
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 | 3 in force |
| Nearby Flood Claims | 9 (1994–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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