446 Charming Ln, Hendersonville, NC 28792 Property Records

Henderson County property record for 446 Charming Ln, Hendersonville, NC 28792

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,991 sqft · built 2007
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on File
Last Sale	$790,000 (Sep 2025)
Tax Bill	$2,688 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`9671515319`

Property Details

APN / Parcel Number

Primary APN	`9671515319`
Alternative APN	`1002890`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,991 sqft Heated Area
1st Floor Area	1,991 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Raised
Lot Area	33,106 sqft (0.76 acres)
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	304 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1002890
Street Address	446 CHARMING LN
City	HENDERSONVILLE
State	NC
Zip	28792-7210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1002890~R3
Legal Description	VILLAGE ON CHARMING LN LO6 PL2005-5803
Legal Subdivision	VILLLAGE OF CHARMING LANE
Legal Block	51
Legal Lot Number	5319
Jurisdiction	HENDERSON NC
Township / Civil Division	CLEAR CREEK
Census Block Group	1
Census Block	1007
Census Tract	930401

Owner

446 Charming Ln is owned and occupied by two individuals who bought it in September 2025.

Source: Henderson County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Sep 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 10, 2025	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Feb 17, 2021	Deed of Trust, Mortgage ACOPIA
Feb 17, 2021	Warranty Deed, Transfer · Conventional Mortgage ACOPIA LLC
Apr 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on File
Deed Sale	Sep 10, 2025 · Amount on File
Prior Sale	Jun 20, 2018 · Amount on File
Deed Document Number	20251036824
Deed Book / Page	4336 / 277
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210

Mortgage

Document Number	0044140106
Date	Mar 25, 2026
Book Page	4414/106
Instrument	1001046475

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	3160 CROW CANYON RD STE 400, SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039610507
Date	Sep 12, 2022
Book Page	3961/507
Instrument	986400

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2042

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 10, 2025
Property Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210
Document Number	0043360277
Book / Page	4336 / 277
Map Reference	SL 5803
Instrument Date	Sep 4, 2025
Instrument	1001036824
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 STONE CIRCLE DR, TRYON, NC 28782-4506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210

Mortgage

Document Number	1001036825
Date	Sep 10, 2025
Instrument	1001036825

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210
Document Number	0033540060
Instrument Date	Feb 17, 2021
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	446 CHARMING LN HENDERSONVILLE NC 287927210, HENDERSONVILLE, NC 28792-7210

Mortgage

Document Number	0033540060
Date	Feb 17, 2021
Book Page	003354/000060
Instrument	945117

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 16, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Feb 17, 2021
Property Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210
Document Number	0036540057
Book / Page	3654 / 57
Instrument Date	Feb 17, 2021
Instrument	945116
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$998.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	79 DUSTIN DR, 79, WEST MILTON, PA 17886-8008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210

Mortgage

Document Number	945117
Date	Feb 17, 2021
Instrument	945117

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 24, 2019
Property Address	446 CHARMING LN, HENDERSONVILLE, NC 28792-7210
Document Number	0033250317
Book / Page	003325 / 000317
Instrument Date	Apr 19, 2019
Instrument	902243
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	446 CHARMING LN HENDERSONVILLE NC 287927210, HENDERSONVILLE, NC 28792-7210

Tax Assessment & Valuation

The 2025 property tax bill for 446 Charming Ln was $2,688.

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		$492,400 (-) Land $97,000 Building $395,400
2025	$2,688.00	$492,400 Land $97,000 Building $395,400
2024	$2,688.00
2023		$492,400 Land $97,000 Building $395,400	$492,400 Land $97,000 Building $395,400

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

Flood

FEMA maps place 446 Charming Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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	Tropical Storm Helene, Sep 2024 · 2 claims

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 446 Charming Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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	0.05% annual chance
Exposure	Direct burnable vegetation

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 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.

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