Vance County property record for 415 Waterfall Rd, Henderson, NC 27537
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,768 sqft · built 2021 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on File |
| Last Sale | $254,500 (Sep 2021) |
| Tax Bill | $2,665 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0412D01027 |
| Primary APN | 0412D01027 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,768 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Lot Area | 10,498 sqft (0.241 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1032678 |
|---|---|
| Street Address | 415 WATERFALL RD |
| City | HENDERSON |
| State | NC |
| Zip | 27537-6987 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 415 WATERFALL RD LOT 77 .241 |
| Legal Block | 01 |
| Legal Lot Number | 77 |
| Jurisdiction | VANCE NC |
| Township / Civil Division | DABNEY |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 960300 |
415 Waterfall Rd is owned and occupied by an individual who bought it in September 2021.
Source: Vance County records, as of October 20, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 415 WATERFALL RD, HENDERSON, NC 27537-6987 |
| 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.
| Date | Document |
|---|---|
| May 4, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Dec 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 29, 2021 | Special Warranty Deed, Transfer · FHA Mortgage INSPIRE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2021 · Amount on File |
| Deed Sale | Sep 29, 2021 · Amount on File |
| Deed Document Number | 0014020690 |
| Deed Book / Page | 1402 / 0690 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VANCE NC |
| Property Address | 415 WATERFALL RD, HENDERSON, NC 27537-6987 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001431/848 |
|---|---|
| Date | May 4, 2023 |
| Book Page | 1431/848 |
| Instrument | 1567 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | HENDERSON, NC 27536 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VANCE NC |
| Property Address | 415 WATERFALL RD, HENDERSON, NC 27537-6987 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001408/331 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 1408/331 |
| Instrument | 5565 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | VANCE NC |
| Recording Date | Sep 29, 2021 |
| Property Address | 415 WATERFALL RD, HENDERSON, NC 27537-6987 |
| Document Number | 001402/690 |
| Book / Page | 1402 / 690 |
| Map Reference | MB Z PG 368 |
| Instrument Date | Sep 27, 2021 |
| Instrument | 4162 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | PARKWAY TITLE INC, PARKWAY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $509.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3091 GOVERNORS LAKE DR # DR300, 3091, PEACHTREE CORNERS, GA 30071-1143 |
| Name | Verified Name |
|---|---|
| Address | 415 WATERFALL RD, HENDERSON, NC 27537-6987 |
| Document Number | 0000004163 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 4163 |
| Name | INSPIRE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 415 Waterfall Rd was $2,665.
Source: Vance County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Vance County |
| Unified School District | Vance County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,665.00 | $313,843 Land $9,600 Building $304,243 | $313,843 Land $9,600 Building $304,243 |
| 2023 | $2,400.00 | $232,950 Land $18,000 Building $214,950 | $232,950 Land $18,000 Building $214,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Waterfall Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.
Source: FEMA National Flood Hazard Layer, effective September 18, 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 | 3 in force |
| Nearby Flood Claims | 2 (2005–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2020 · river or lake flooding |
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 risk around 415 Waterfall 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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