380 Ridgeway Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 380 Ridgeway Dr, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,254 sqft · built 1993
Lot Size	9.59 acres (417,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (May 2021)
Tax Bill	$2,450 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9587930238`

Property Details

APN / Parcel Number

Primary APN	`9587930238`
Alternative APN	`10006664`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,254 sqft Heated Area
1st Floor Area	1,254 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	417,740 sqft (9.59 acres)
Garage Type	Mixed
Garage Area	1,356 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	240 sqft
Deck Area	64 sqft
Patio Area	144 sqft
Canopy	660 sqft
Utility Building	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10006664
Street Address	380 RIDGEWAY DR
City	FLAT ROCK
State	NC
Zip	28731-9667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10006664~R
Legal Description	RECOMBINATION SURVEY HILL & KING TR1 PL2018-11373
Legal Tract	1
Legal Block	93
Legal Lot Number	238
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1025
Census Tract	930201

Owner

Source: Henderson County records, as of October 9, 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	380 RIDGEWAY DR, FLAT ROCK, NC 28731-9667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY CREDIT UNION
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Deed Document Number	2021953256
Deed Book / Page	3711 / 114
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Sep 28, 2026
Property Address	380 RIDGEWAY DR, FLAT ROCK, NC 28731-9667
Document Number	0001056304
Book / Page	4495 / 140
Instrument Date	Sep 22, 2026
Instrument	20261056304
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 RIDGEWAY DR, FLAT ROCK, NC 28731-9667

Mortgage

Document Number	0001056304,
Date	Sep 28, 2026
Book Page	4495/140
Instrument	20261056304

Lender

Name	COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 22, 2051

Interest

Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 14, 2021
Property Address	380 RIDGEWAY DR, FLAT ROCK, NC 28731-9667
Document Number	0037110114
Book / Page	3711 / 114
Map Reference	SL 11373
Instrument Date	May 10, 2021
Instrument	953256
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2067 SAYBROOKE LN NW, CALABASH, NC 28467-6003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 RIDGEWAY DR, FLAT ROCK, NC 28731-9667

Mortgage

Document Number	0000953257
Date	May 14, 2021
Instrument	953257

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

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		$436,800 (-) Land $125,900 Building $310,900
2025	$2,450.00
2023		$436,800 Land $125,900 Building $310,900	$436,800 Land $125,900 Building $310,900

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	1 in force

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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Optimum, Verizon.

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