29 Saddle Top, Flat Rock, NC 28731 Property Records

Henderson County property record for 29 Saddle Top, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,741 sqft · built 2017
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Apr 2026)
Tax Bill	$2,229 (2025)
Deeds & Mortgages	Apr 2026 Sale Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9585295846`

Property Details

APN / Parcel Number

Primary APN	`9585295846`
Alternative APNs	`00958529584655` `9958522`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,741 sqft Heated Area
1st Floor Area	1,741 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	29,185 sqft (0.67 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	482 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9958522
Street Address	29 SADDLE TOP
City	FLAT ROCK
State	NC
Zip	28731-6804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9958522~R2
Legal Description	GREENBRIAR LO77 PHII SE3A PL1996-2288
Legal Subdivision	GREENBRIAR S/D PH II SEC II (3698)
Legal Phase	2
Legal Block	29
Legal Lot Number	5846
Jurisdiction	HENDERSON NC
Township / Civil Division	GREEN RIVER
Census Block Group	1
Census Block	1034
Census Tract	932000

Owner

Source: Henderson County records, as of July 14, 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	29 SADDLE TOP, FLAT ROCK, NC 28731-6804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage CHAMPION CU
Jan 8, 2019	Deed of Trust, Mortgage · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Prior Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	20261048056
Deed Book / Page	4427 / 701
Prior Transfer Date	Jun 6, 2024
Prior Transfer Doc	0041730666
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 23, 2026
Property Address	29 SADDLE TOP, FLAT ROCK, NC 28731-6804
Document Number	0001048056
Book / Page	4427 / 701
Instrument Date	Apr 21, 2026
Instrument	2026.1048056
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$97,970.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 SADDLE TOP, FLAT ROCK, NC 28731-6804

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	29 SADDLE TOP, FLAT ROCK, NC 28731-6804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031790282
Date	Mar 28, 2018
Book Page	3179/282

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 6, 2020
Property Address	29 SADDLE TOP, FLAT ROCK, NC 28731-6804
Document Number	0035750472
Book / Page	3575 / 472
Map Reference	SL 2288
Instrument Date	Sep 24, 2020
Instrument	935207
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$704.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6189 MAGEE ST, 6189, ENGLEWOOD, FL 34224-8106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 SADDLE TOP, FLAT ROCK, NC 28731-6804

Mortgage

Document Number	935208
Date	Oct 6, 2020
Instrument	935208

Lender

Name	CHAMPION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	29 SADDLE TOP, FLAT ROCK, NC 28731-6804
Document Number	0032890103
Instrument Date	Jan 8, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	29 SADDLE TOP RD FLAT ROCK NC 287316804, FLAT ROCK, NC 28731-6804

Mortgage

Document Number	0032890103
Date	Jan 10, 2019
Book Page	003289/000103
Instrument	896703

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2049

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		$397,500 (-) Land $65,900 Building $331,600
2025	$2,229.00	$397,500 (-) Land $65,900 Building $331,600
2023		$397,500 Land $65,900 Building $331,600	$397,500 Land $65,900 Building $331,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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	Low lower than 64% of the US · above 49% 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.

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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