40 Lone Pine Dr, Saluda, NC 28773 Property Records

Henderson County property record for 40 Lone Pine Dr, Saluda, NC 28773 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,044 sqft · built 2008
Lot Size	3.76 acres (163,786 sqft)
Owner	2 Individual Names on File
Last Sale	$985,000 (Aug 2023)
Tax Bill	$4,404 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9596750397`

Property Details

APN / Parcel Number

Primary APN	`9596750397`
Alternative APNs	`00959675039755` `9955937`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,044 sqft Heated Area
1st Floor Area	1,360 sqft
Upper Floors Area	630 sqft
Basement Area	1,326 sqft
Finished Basement	850 sqft
Unfinished Basement	476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2019
Architectural Style	Rustic
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asphalt
Lot Area	163,786 sqft (3.76 acres)
Garage Type	Detached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	400 sqft
Deck Area	262 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9955937
Street Address	40 LONE PINE DR
City	SALUDA
State	NC
Zip	28773-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE WOODS ON HOWARD GAP LO5 PL1995-1870
Legal Subdivision	THE WOODS ON HOWARD GAP (3796)
Legal Block	75
Legal Lot Number	397
Jurisdiction	HENDERSON NC
Township / Civil Division	GREEN RIVER
Census Block Group	1
Census Block	1011
Census Tract	932000

Owner

Source: Henderson County records · APN 9596750397

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	40 LONE PINE DR, SALUDA, NC 28773-9761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 07, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jul 20, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 23, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Sep 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 15, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 07, 2023 · Amount on Record
Deed Sale	Aug 07, 2023 · Amount on Record
Prior Sale	Jul 20, 2020 · Amount on Record
Deed Document Number	20231001872
Deed Book / Page	4073 / 447
Prior Transfer Date	Sep 07, 2019
Prior Transfer Doc	0033840288
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 07, 2023
Property Address	40 LONE PINE DR, SALUDA, NC 28773-9761
Document Number	0040730447
Book / Page	4073 / 447
Map Reference	SL 1870
Instrument Date	Aug 03, 2023
Instrument	1001001872
Transaction Type	Transfer
Record Updated	Sep 04, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31177 US HIGHWAY 19 N # N1902, N1902, PALM HARBOR, FL 34684-4443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 LONE PINE DR, SALUDA, NC 28773-9761

Mortgage

Document Number	1001001873
Date	Aug 07, 2023
Instrument	1001001873

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 20, 2020
Property Address	40 LONE PINE DR, SALUDA, NC 28773-9761
Document Number	0035270442
Book / Page	3527 / 442
Map Reference	SL 1870
Instrument Date	Jul 15, 2020
Instrument	929271
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2250 MACKENZIE CT, 2250, CLEARWATER, FL 33765-2241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 LONE PINE DR, SALUDA, NC 28773-9761

Mortgage

Document Number	0035270447
Date	Jul 20, 2020
Book Page	3527/447
Instrument	929272

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	40 LONE PINE DR, SALUDA, NC 28773-9761
Document Number	0034990206
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 LONE PINE DR SALUDA NC 287739761, SALUDA, NC 28773-9761

Mortgage

Document Number	0034990206
Date	Jun 01, 2020
Book Page	003499/000206
Instrument	925809

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 10, 2019
Property Address	40 LONE PINE DR, SALUDA, NC 28773-9761
Document Number	0033840288
Book / Page	003384 / 000288
Instrument Date	Sep 07, 2019
Instrument	910622
Transaction Type	Transfer
Record Updated	Oct 03, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 LONE PINE DR SALUDA NC 287739761, SALUDA, NC 28773-9761

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 15, 2018
Property Address	40 LONE PINE DR, SALUDA, NC 28773-9761
Document Number	0031980140
Book / Page	3198 / 140
Instrument Date	May 14, 2018
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
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
Address	40 LONE PINE DR, SALUDA, NC 28773-9761
Investor	Possibly a Property Investor

Mortgage

Document Number	0031980142
Date	May 15, 2018
Book Page	3198/142

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2048

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		$799,400 (-) Land $90,100 Building $709,300
2025	$4,404.00	$799,400 (+3.35%) Land $90,100 Building $709,300
2023		$773,500 Land $96,900 Building $676,600	$799,400 Land $90,100 Building $709,300

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 370899320001, 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	7 in force
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 4 claims

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	About 1 in 1,266 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 10 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wilkes Telephone Membership	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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