45 S Inglenook, Flat Rock, NC 28731 Property Records

Henderson County property record for 45 S Inglenook, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,172 sqft · built 2005
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (Sep 2005)
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9577649410`

Property Details

APN / Parcel Number

Primary APN	`9577649410`
Alternative APN	`1002021`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,172 sqft Heated Area
1st Floor Area	1,172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	6,970 sqft (0.16 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1002021
Street Address	45 S INGLENOOK
City	FLAT ROCK
State	NC
Zip	28731-4735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1002021~R-
Legal Description	HIGHLAND LAKE LO1-3 BL14 PL2004-5078 UN7
Legal Subdivision	HIGHLAND LAKE
Legal Block	64
Legal Lot Number	9410
Legal Unit	7
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	2
Census Block	2033
Census Tract	931402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Flat Rock Historic District (Boundary Increase, Decrease and Additional Documentation) listed 2015 · 27 contributing resources · NRIS 14001176

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	45 S INGLENOOK, FLAT ROCK, NC 28731-4735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2005 · Amount on Record
Deed Sale	Sep 12, 2005 · Amount on Record
Deed Book / Page	1243 / 156
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	45 S INGLENOOK, FLAT ROCK, NC 28731-4735
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035000611
Date	Jun 3, 2020
Book Page	3500/611
Instrument	925985

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	FLAT ROCK, NC 28731

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	45 S INGLENOOK, FLAT ROCK, NC 28731-4735
Transaction Type	Mortgage
Record Updated	Jul 4, 2022
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035000595
Date	Jun 3, 2020
Book Page	3500/595
Instrument	925984

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Municipality	Flat Rock Village
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$381,500 (-) Land $60,000 Building $321,500
2025	$1,644.00
2023		$381,500 Land $60,000 Building $321,500	$381,500 Land $60,000 Building $321,500

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	9 in force
Nearby Flood Claims	5 (2024–2025)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Tropical Storm Helene, Oct 2024 · 4 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

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	0.02% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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