46 Lumber River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 46 Lumber River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,488 sqft · built 2007
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (May 2013)
Tax Bill	$2,206 (2025)
Deeds & Mortgages	Apr 2022 Transfer Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9652002842`

Property Details

APN / Parcel Number

Primary APN	`9652002842`
Alternative APN	`1004849`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,488 sqft Heated Area
1st Floor Area	1,488 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	36 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1004849
Street Address	46 LUMBER RIVER RD
City	FLETCHER
State	NC
Zip	28732-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1004849~R1
Legal Description	RIVER STONE MAJ SD LO177 PL2006-6127
Legal Subdivision	RIVER STONE MAJ
Legal Lot Number	2842
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1012
Census Tract	930501

Owner

Source: Henderson County records, as of August 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	46 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Intrafamily Transfer, Transfer
Oct 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2013 · Amount on Record
Deed Sale	May 24, 2013 · Amount on Record
Prior Sale	Mar 1, 2007 · Amount on Record
Deed Document Number	2013784677
Deed Book / Page	1534 / 594
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON NC
Recording Date	Apr 22, 2022
Property Address	46 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0039020698
Book / Page	3902 / 698
Map Reference	SL 6127
Instrument Date	Apr 21, 2022
Instrument	978313
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 LUMBER RIVER RD, 46, FLETCHER, NC 28732-7904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 LUMBER RIVER RD, FLETCHER, NC 28732-7904

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	46 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0032590359
Instrument Date	Oct 2, 2018
Transaction Type	Mortgage
Record Updated	Oct 31, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 LUMBER RIVER RD FLETCHER NC 287327904, FLETCHER, NC 28732-7904

Mortgage

Document Number	0032590359
Date	Oct 15, 2018
Book Page	003259/000359
Instrument	892450

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$411,600 (-) Land $160,000 Building $251,600
2025	$2,206.00
2023		$411,600 Land $160,000 Building $251,600	$411,600 Land $160,000 Building $251,600

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	4 (2018–2024)
Claims Outside the SFHA	4 of 4
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

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	0.01% annual chance
Exposure	None beyond ember reach

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 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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