402 Cinnamon Way, Flat Rock, NC 28731 Property Records

Henderson County property record for 402 Cinnamon Way, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,082 sqft · built 2006
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,255 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9576979765`

Property Details

APN / Parcel Number

Primary APN	`9576979765`
Alternative APN	`10002573`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,082 sqft Heated Area
1st Floor Area	1,578 sqft
Attic	Attic
Attic Area	504 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	48,352 sqft (1.11 acres)
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Deck Area	40 sqft
Canopy	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10002573
Street Address	402 CINNAMON WAY
City	FLAT ROCK
State	NC
Zip	28731-8757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10002573~R
Legal Description	CINNAMON WOODS 1.19 AC LO61&62 PL2005-5779
Legal Subdivision	CINNAMON WOODS
Legal Block	97
Legal Lot Number	9765
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	931500

Owner

402 Cinnamon Way is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	402 CINNAMON WAY, FLAT ROCK, NC 28731-8757
Occupancy	Owner Occupied
Owner Type	Individual

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, 2018	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	402 CINNAMON WAY, FLAT ROCK, NC 28731-8757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031870350
Date	Apr 17, 2018
Book Page	3187/350

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2033

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	402 CINNAMON WAY, FLAT ROCK, NC 28731-8757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035620122
Date	Sep 16, 2020
Book Page	3562/122
Instrument	933576

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 402 Cinnamon Way was $2,255.

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		$402,000 Land $81,100 Building $320,900
2025	$2,255.00
2023		$402,000 Land $81,100 Building $320,900	$402,000 Land $81,100 Building $320,900

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

Flood

FEMA maps place 402 Cinnamon Way in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.

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	10 units insured incl. 6 condo units
Nearby Flood Claims	5 (1998–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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 402 Cinnamon Way is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Cinnamon Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures