443 Big Hungry Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 443 Big Hungry Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,305 sqft · built 1978
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jun 2014)
Tax Bill	$1,475 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Oct 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9598315240`

Property Details

APN / Parcel Number

Primary APN	`9598315240`
Alternative APN	`1016998`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,305 sqft Heated Area
1st Floor Area	1,305 sqft
Basement Area	1,305 sqft
Unfinished Basement	1,305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	58,806 sqft (1.35 acres)
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1016998
Street Address	443 BIG HUNGRY RD
City	FLAT ROCK
State	NC
Zip	28731-6691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1016998~R2
Legal Description	SR1802 ON BIG HUNGRY RD TRC PL2011-8291
Legal Subdivision	BLUE RIDGE
Legal Tract	C
Legal Block	31
Legal Lot Number	5240
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1007
Census Tract	930201

Owner

443 Big Hungry Rd is owned and occupied by an individual who bought it in June 2014.

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

Owner of Record	Individual Name on File
Mailing Address	443 BIG HUNGRY RD, FLAT ROCK, NC 28731-6691
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 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 19, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU
Aug 10, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE EMPS FCU
Jul 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2014 · Amount on File
Deed Sale	Jun 3, 2014 · Amount on File
Prior Sale	Apr 13, 2009
Deed Document Number	2014803747
Deed Book / Page	1576 / 495
Prior Transfer Date	Jun 2, 2014
Prior Transfer Doc	0015760493
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	443 BIG HUNGRY RD, FLAT ROCK, NC 28731-6691
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030390547
Date	Apr 10, 2017
Book Page	3039/547

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.38%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	443 BIG HUNGRY RD, FLAT ROCK, NC 28731-6691
Document Number	0032640524
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 BIG HUNGRY RD FLAT ROCK NC 28731, FLAT ROCK, NC 28731

Mortgage

Document Number	0032640524
Date	Oct 29, 2018
Book Page	003264/000524
Instrument	893252

Lender

Name	STATE EMPS CU
Address	ASHEVILLE, NC 28803

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 10, 2018
Property Address	443 BIG HUNGRY RD, FLAT ROCK, NC 28731-6691
Document Number	0032340220
Book / Page	003234 / 000220
Instrument Date	Aug 1, 2018
Instrument	888789
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 BIG HUNGRY RD FLAT ROCK NC 287316691, FLAT ROCK, NC 28731-6691

Mortgage

Document Number	32340223
Date	Aug 10, 2018
Book Page	003234/000223
Instrument	888790

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 13, 2018
Property Address	443 BIG HUNGRY RD, FLAT ROCK, NC 28731-6691
Document Number	0032220598
Book / Page	003222 / 000598
Instrument Date	Jul 12, 2018
Instrument	887172
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 BIG HUNGRY RD FLAT ROCK NC 287316691, FLAT ROCK, NC 28731-6691

Tax Assessment & Valuation

The 2025 property tax bill for 443 Big Hungry Rd was $1,475.

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		$263,000 Land $43,500 Building $219,500
2025	$1,475.00
2023		$263,000 Land $43,500 Building $219,500	$263,000 Land $43,500 Building $219,500

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

Flood

FEMA maps place 443 Big Hungry Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 443 Big Hungry Rd is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.07% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
AT&T DSL	100 / 20

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Big Hungry Rd

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