440 Ridgeway Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 440 Ridgeway Dr, Flat Rock, NC 28731

Property Summary

Property Type	Manufactured or Modular Home
Details	3 ba · 3,385 sqft · built 2009
Lot Size	3.24 acres (141,134 sqft)
Owner	Company Name on Record
Last Sale	$280,000 (Dec 2016)
Tax Bill	$2,364 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9587928940`

Property Details

APN / Parcel Number

Primary APN	`9587928940`
Alternative APN	`1009877`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,385 sqft Heated Area
1st Floor Area	1,736 sqft
Basement Area	1,736 sqft
Finished Basement	1,649 sqft
Unfinished Basement	87 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2015
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Lot Area	141,134 sqft (3.24 acres)
Porch	Patio
Porch Area	96 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1009877
Street Address	440 RIDGEWAY DR
City	FLAT ROCK
State	NC
Zip	28731-9668
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	1009877~R3
Legal Description	LIVELY SPECIAL SUB TR1 PL2008-7146
Legal Subdivision	LIVELY SPECIAL SUB
Legal Tract	1
Legal Block	92
Legal Lot Number	8940
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1025
Census Tract	930201

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	Company Name on Record
Mailing Address	440 RIDGEWAY DR, FLAT ROCK, NC 28731-9668
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 10, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jun 29, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2016 · Amount on Record
Deed Sale	Dec 12, 2016 · Amount on Record
Prior Sale	Jun 28, 2016 · Amount on Record
Deed Document Number	2016854227
Deed Book / Page	1690 / 202
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	440 RIDGEWAY DR, FLAT ROCK, NC 28731-9668
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037770221
Date	Sep 2, 2021
Book Page	3777/221
Instrument	961888

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	440 RIDGEWAY DR, FLAT ROCK, NC 28731-9668
Document Number	0032540487
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 RIDGEWAY DR FLAT ROCK NC 287319668, FLAT ROCK, NC 28731-9668

Mortgage

Document Number	0032540487
Date	Oct 1, 2018
Book Page	003254/000487
Instrument	891696

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	440 RIDGEWAY DR, FLAT ROCK, NC 28731-9668
Document Number	0032190206
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 RIDGEWAY DR FLAT ROCK NC 287319668, FLAT ROCK, NC 28731-9668

Mortgage

Document Number	0032190206
Date	Jul 3, 2018
Book Page	003219/000206
Instrument	886644

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

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		$421,400 (-) Land $62,400 Building $359,000
2025	$2,364.00
2023		$421,400 Land $62,400 Building $359,000	$421,400 Land $62,400 Building $359,000

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	1 in force

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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Optimum, Verizon.

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