33 Lumber River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 33 Lumber River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,755 sqft · built 2007
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Jul 2021)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9652003658`

Property Details

APN / Parcel Number

Primary APN	`9652003658`
Alternative APN	`1004854`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,755 sqft Heated Area
1st Floor Area	1,525 sqft
Attic	Attic
Attic Area	230 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	8,276 sqft (0.19 acres)
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	216 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1004854
Street Address	33 LUMBER RIVER RD
City	FLETCHER
State	NC
Zip	28732-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1004854~R1
Legal Description	RIVER STONE LO182 PL2006-6127
Legal Subdivision	RIVER STONE MAJ
Legal Lot Number	3658
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1046
Census Tract	930501

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	9 MADELYN LN, FAIRVIEW, NC 28730-8524
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	Apr 26, 2007 · Amount on Record
Deed Document Number	2021958529
Deed Book / Page	3751 / 86
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 20, 2021
Property Address	33 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0037510086
Book / Page	3751 / 86
Map Reference	SL 6333
Instrument Date	Jul 19, 2021
Instrument	958529
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 PORTOBELLO RD, ARDEN, NC 28704-8613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 LUMBER RIVER RD, FLETCHER, NC 28732-7904

Mortgage

Document Number	0000958530
Date	Jul 20, 2021
Instrument	958530

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Aug 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	9.15%
Index	5-Year CMT
Max Rate	9.15%

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		$442,200 (-) Land $160,000 Building $282,200
2025	$2,370.00	$442,200 (-) Land $160,000 Building $282,200
2023		$442,200 Land $160,000 Building $282,200	$442,200 Land $160,000 Building $282,200

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	9 in force
Nearby Flood Claims	4 (2018–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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