290 King Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 290 King Rd, Flat Rock, NC 28731 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,537 sqft · built 2006
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,852 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9598338891`

Property Details

APN / Parcel Number

Primary APN	`9598338891`
Alternative APN	`1000497`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,537 sqft Heated Area
1st Floor Area	1,537 sqft
Basement Area	1,537 sqft
Unfinished Basement	1,537 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Architectural Style	Rustic
Exterior Material	Logs
Lot Area	35,284 sqft (0.81 acres)
Porch	Slab
Porch Area	740 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1000497
Street Address	290 KING RD
City	FLAT ROCK
State	NC
Zip	28731-5604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JULIA TAYLOR EST PROPERTY TR3 PL2005-5370
Legal Subdivision	JULIA TAYLOR EST
Legal Tract	3
Legal Block	33
Legal Lot Number	8891
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1007
Census Tract	930201

Owner

Source: Henderson County records · APN 9598338891

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	290 KING RD, FLAT ROCK, NC 28731-5604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 22, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED COMMUNITY BANK
Oct 03, 2025	Warranty Deed, Transfer
Jul 16, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	290 KING RD, FLAT ROCK, NC 28731-5604
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044010372
Date	Feb 25, 2026
Book Page	4401/372
Instrument	1001044999

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 16, 2046

Interest

Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	290 KING RD, FLAT ROCK, NC 28731-5604
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038420102
Date	Dec 22, 2021
Book Page	3842/102
Instrument	970179

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	29792

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Dec 21, 2028

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 03, 2025
Property Address	290 KING RD, FLAT ROCK, NC 28731-5604
Document Number	0043460704
Book / Page	4346 / 704
Map Reference	CAB A SL 259
Instrument Date	Oct 02, 2025
Instrument	1001038058
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 RUSS DR, EAST FLAT ROCK, NC 28726-4006

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	290 KING RD, FLAT ROCK, NC 28731-5604

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON NC
Recording Date	Jul 16, 2025
Property Address	290 KING RD, FLAT ROCK, NC 28731-5604
Document Number	0043150392
Book / Page	4315 / 392
Map Reference	CAB A SL 259
Instrument Date	Jul 15, 2025
Instrument	1001034010
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 RUSS DR, EAST FLAT ROCK, NC 28726-4006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 KING RD, FLAT ROCK, NC 28731-5604

Tax Assessment & Valuation

Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$330,300 (-) Land $36,600 Building $293,700
2025	$1,852.00	$330,300 (-) Land $36,600 Building $293,700
2024	$1,852.00
2023		$330,300 Land $36,600 Building $293,700	$330,300 Land $36,600 Building $293,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Henderson County (37089C), updated October 12, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370899302011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	About 1 in 1,449 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 52 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000
Optimum Communications	Cable	940 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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