Henderson County property record for 45 Insight Ln, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 1988 |
| Lot Size | 1.78 acres (77,537 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,573 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9587401414 |
| Primary APN | 9587401414 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,800 sqft Heated Area |
| 1st Floor Area | 1,200 sqft |
| Upper Floors Area | 600 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Exterior Material | Logs |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 77,537 sqft (1.78 acres) |
| Porch | Slab |
| Porch Area | 656 sqft |
| Deck Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Account Number | 9926832 |
|---|---|
| Street Address | 45 INSIGHT LN |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-6737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9926832~R1 |
| Legal Description | SR1807 ON OAK GROVE RD |
| Legal Subdivision | PROPOSED PROPERTY JAMES JOSHUA |
| Legal Block | 40 |
| Legal Lot Number | 1414 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 931401 |
45 Insight Ln is owned and occupied by two individuals.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 INSIGHT LN, FLAT ROCK, NC 28731-6737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Apr 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Jul 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 45 INSIGHT LN, FLAT ROCK, NC 28731-6737 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 45 INSIGHT LN, FLAT ROCK, NC 28731-6737 |
| Document Number | 0040630536 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 4063/536 |
| Instrument | 1001000464 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 203 Months |
| Due | Jun 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 45 INSIGHT LN, FLAT ROCK, NC 28731-6737 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2022 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 45 INSIGHT LN, FLAT ROCK, NC 28731-6737 |
| Document Number | 0038990446 |
|---|---|
| Date | Apr 18, 2022 |
| Book Page | 3899/446 |
| Instrument | 977850 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 218 Months |
| Due | Jun 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 45 INSIGHT LN, FLAT ROCK, NC 28731-6737 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 45 INSIGHT LN, FLAT ROCK, NC 28731-6737 |
| Document Number | 0037430411 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 3743/411 |
| Instrument | 957536 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 227 Months |
| Due | Jun 1, 2040 |
The 2025 property tax bill for 45 Insight Ln was $1,573.
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 | $280,400 Land $54,400 Building $226,000 | ||
| 2025 | $1,573.00 | ||
| 2023 | $277,600 Land $54,400 Building $223,200 | $280,400 Land $54,400 Building $226,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Insight Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| 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 risk around 45 Insight Ln is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HENDERSONVILLE serves 79,278 people · EPA ID NC0145010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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