Henderson County property record for 442 Stepp Rd, Hendersonville, NC 28792
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,450 sqft · built 1999 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $184,000 (Apr 2007) |
| Tax Bill | $1,538 (2025) |
| Deeds & Mortgages | May 2021 Reverse Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9671405031 |
| Primary APN | 9671405031 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,450 sqft Heated Area |
| 1st Floor Area | 1,450 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 35 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9960658 |
|---|---|
| Street Address | 442 STEPP RD |
| City | HENDERSONVILLE |
| State | NC |
| Zip | 28792-6589 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9960658~R2 |
| Legal Description | #09 PINEY OAK HILLS PL1997-2591 |
| Legal Subdivision | PINEY OAK HILLS (3900) |
| Legal Block | 40 |
| Legal Lot Number | 5031 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 930401 |
Source: Henderson County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 442 STEPP RD, HENDERSONVILLE, NC 28792-6589 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Apr 17, 2018 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2007 · Amount on Record |
| Deed Sale | Apr 5, 2007 · Amount on Record |
| Deed Book / Page | 1313 / 613 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 442 STEPP RD, HENDERSONVILLE, NC 28792-6589 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 442 STEPP RD, HENDERSONVILLE, NC 28792-6589 |
| Document Number | 0037170121 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 3717/121 |
| Instrument | 954093 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.79% |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 6.79% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 442 STEPP RD, HENDERSONVILLE, NC 28792-6589 |
| Document Number | 0031890236 |
| Instrument Date | Apr 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2018 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 442 STEPP RD HENDERSONVILLE NC 287926589, HENDERSONVILLE, NC 28792-6589 |
| Document Number | 0031890236 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 003189/000236 |
| Instrument | 882502 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 996 Months |
| Rate Type | Adjustable Rate |
|---|
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $281,700 (+0.82%) Land $57,900 Building $223,800 | ||
| 2025 | $1,538.00 | ||
| 2023 | $279,400 Land $57,900 Building $221,500 | $281,700 Land $57,900 Building $223,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
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 | 0.05% 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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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