43 Pamlico Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 43 Pamlico Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,340 sqft · built 2009
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Company Names on Record
Last Sale	$40,000 (May 2014)
Tax Bill	$2,688 (2025)
Deeds & Mortgages	Oct 2025 Transfer Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9652002460`

Property Details

APN / Parcel Number

Primary APN	`9652002460`
Alternative APN	`1006087`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,340 sqft Heated Area
1st Floor Area	2,130 sqft
Attic	Attic
Attic Area	210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.17 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1006087
Street Address	43 PAMLICO RD
City	FLETCHER
State	NC
Zip	28732-8756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1006087~R1
Legal Description	RIVER STONE LO238 PL2006-6320
Legal Subdivision	RIVER STONE
Legal Lot Number	2460
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1017
Census Tract	930501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	43 PAMLICO RD, FLETCHER, NC 28732-8756
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Intrafamily Transfer, Transfer
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANLEADERS OF AMERICA INC
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANLEADERS OF AMERICA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2014 · Amount on Record
Deed Sale	May 14, 2014 · Amount on Record
Prior Sale	Jun 24, 2009 · Amount on Record
Deed Document Number	2014802857
Deed Book / Page	1574 / 514
Last Transfer Date	Aug 27, 2025
Transfer Doc	0043510322
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON NC
Recording Date	Oct 16, 2025
Property Address	43 PAMLICO RD, FLETCHER, NC 28732-8756
Document Number	0043510322
Book / Page	4351 / 322
Map Reference	SL 6320
Instrument Date	Aug 27, 2025
Instrument	1001038700
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 PAMLICO RD, FLETCHER, NC 28732-8756

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	43 PAMLICO RD, FLETCHER, NC 28732-8756
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	TRUE CONCEPT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038240147
Date	Nov 22, 2021
Book Page	3824/147
Instrument	967879

Lender

Name	LOANLEADERS OF AMERICA INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	43 PAMLICO RD, FLETCHER, NC 28732-8756
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	TRUE CONCEPT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038280253
Date	Nov 30, 2021
Book Page	3828/253
Instrument	968397

Lender

Name	LOANLEADERS OF AMERICA INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

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		$501,500 (-) Land $160,000 Building $341,500
2025	$2,688.00	$501,500 (-) Land $160,000 Building $341,500
2024	$2,688.00
2023		$501,500 Land $160,000 Building $341,500	$501,500 Land $160,000 Building $341,500

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	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

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	0.01% annual chance
Exposure	Indirect within ember reach

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 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.

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