39 N River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 39 N River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,622 sqft · built 2017
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Company Names on File
Last Sale	$410,000 (Oct 2022)
Tax Bill	$2,188 (2025)
Deeds & Mortgages	Apr 2026 Sale Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9651198782`

Property Details

APN / Parcel Number

Primary APN	`9651198782`
Alternative APN	`1019159`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,622 sqft Heated Area
1st Floor Area	742 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	55 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1019159
Street Address	39 N RIVER RD
City	FLETCHER
State	NC
Zip	28732-0147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1019159~R1
Legal Description	RIVERSTONE LO43 PH2D2E PL2016-10088
Legal Subdivision	RIVER STONE SUBDIVISION PHASE 2D 2E
Legal Phase	2
Legal Block	19
Legal Lot Number	8782
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1019
Census Tract	930501

Owner

39 N River Rd is owned by a company that acquired it in April 2026.

Source: Henderson County records, as of July 14, 2026

Owner of Record	2 Company Names on File
Mailing Address	39 N RIVER RD, FLETCHER, NC 28732-0147
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage LOW VA RATES LLC
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRIME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Jul 20, 2021 · Amount on File
Deed Document Number	2022988837
Deed Book / Page	3979 / 598
Last Transfer Date	Apr 17, 2026
Transfer Doc	0001047780
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 17, 2026
Property Address	39 N RIVER RD, FLETCHER, NC 28732-0147
Document Number	0001047780
Book / Page	4425 / 518
Instrument Date	Apr 17, 2026
Instrument	20261047780
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	39 N RIVER RD, FLETCHER, NC 28732-0147

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 28, 2022
Property Address	39 N RIVER RD, FLETCHER, NC 28732-0147
Document Number	0039790598
Book / Page	3979 / 598
Map Reference	CAB 2016 PG 10088
Instrument Date	Oct 28, 2022
Instrument	988837
Transaction Type	Transfer
Record Updated	Nov 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4725 WALLBANK AVE, 4725, DOWNERS GROVE, IL 60515-3407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 N RIVER RD, FLETCHER, NC 28732-0147

Mortgage

Document Number	0000988838
Date	Oct 28, 2022
Instrument	988838

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 20, 2021
Property Address	39 N RIVER RD, FLETCHER, NC 28732-0147
Document Number	0037510540
Book / Page	3751 / 540
Map Reference	SL 10088
Instrument Date	Jul 16, 2021
Instrument	958613
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1030 US HIGHWAY 80 W # W709, 1030, POOLER, GA 31322-7760

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4725 WALLBANK AVE, DOWNERS GROVE, IL 60515-3407

Mortgage

Document Number	0000958614
Date	Jul 20, 2021
Instrument	958614

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	39 N RIVER RD, FLETCHER, NC 28732-0147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030700630
Date	Jun 26, 2017
Book Page	3070/630

Lender

Name	PRIME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 39 N River Rd was $2,188.

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		$408,300 (-) Land $160,000 Building $248,300
2025	$2,188.00	$408,300 Land $160,000 Building $248,300
2023		$408,300 Land $160,000 Building $248,300	$408,300 Land $160,000 Building $248,300

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

Flood

FEMA maps place 39 N River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 39 N River Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N River Rd

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