Henderson County property record for 296 Duncan Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1963 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,095 (2024) |
| Deeds & Mortgages | Dec 2021 Line of Credit Dec 2021 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9578575984 |
| Primary APN | 9578575984 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 864 sqft Heated Area |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Lot Area | 38,333 sqft (0.88 acres) |
| Porch | Slab |
| Porch Area | 108 sqft |
| Deck Area | 314 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10014756 |
|---|---|
| Street Address | 296 DUNCAN RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-4710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10014756~R |
| Legal Description | MINOR SUBDIVISION SURVEY 1.02 ACRES TR1 PL2025-16704 |
| Legal Subdivision | MINOR SUBDIVISION |
| Legal Tract | 1 |
| Legal Block | 57 |
| Legal Lot Number | 7907 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 931000 |
Source: Henderson County records · APN 9578575984
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 | Individual Name on File |
|---|---|
| Mailing Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Dec 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Oct 09, 2020 | Warranty Deed, Transfer ALBERT M III FLETCHERA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Document Number | 0038390483 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 3839/483 |
| Instrument | 969846 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Document Number | 0038390466 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 3839/466 |
| Instrument | 969845 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Jan 28, 2026 |
| Property Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Document Number | 0043910495 |
| Book / Page | 4391 / 495 |
| Map Reference | MB 2025 PG 16704 |
| Instrument Date | Jan 28, 2026 |
| Instrument | 1001043752 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 296 BRIAR PATCH LN, SALUDA, NC 28773-8611 |
| Name | Verified Name |
|---|---|
| Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Document Number | 1001043753 |
|---|---|
| Date | Jan 28, 2026 |
| Instrument | 1001043753 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Oct 09, 2020 |
| Property Address | 296 DUNCAN RD, FLAT ROCK, NC 28731-4710 |
| Document Number | 0035780114 |
| Book / Page | 003578 / 000114 |
| Instrument Date | Oct 08, 2020 |
| Instrument | 935507 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 296 DUNCAN RD FLAT ROCK NC 287314710, FLAT ROCK, NC 28731-4710 |
| Document Number | 35780118 |
|---|---|
| Date | Oct 09, 2020 |
| Book Page | 003578/000118 |
| Instrument | 935508 |
| Name | ALBERT M III FLETCHERA |
|---|---|
| Address | 296 BRIAR PATCH LN, SALUDA, NC 28773-8611 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Oct 08, 2030 |
Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $171,600 (-12.14%) Land $37,700 Building $133,900 | ||
| 2025 | $195,300 (-) Land $61,400 Building $133,900 | ||
| 2024 | $1,095.00 | ||
| 2023 | $195,300 Land $61,400 Building $133,900 | $171,600 Land $37,700 Building $133,900 |
Source: FEMA National Flood Hazard Layer as of October 12, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Cable | 940 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
Based on FCC filings for 24 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF HENDERSONVILLE serves 79,278 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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