477 Anders Rd, Zirconia, NC 28790 Property Records

Henderson County property record for 477 Anders Rd, Zirconia, NC 28790

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,572 sqft · built 2006
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on Record
Last Sale	$188,000 (Sep 2007)
Tax Bill	$1,550 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9573295495`

Property Details

APN / Parcel Number

Primary APN	`9573295495`
Alternative APNs	`00957329549555` `9973812`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,572 sqft Heated Area
1st Floor Area	1,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Metal
Lot Area	67,082 sqft (1.54 acres)

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	200 sqft
Canopy	325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9973812
Street Address	477 ANDERS RD
City	ZIRCONIA
State	NC
Zip	28790-8790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9973812~R2
Legal Description	MINOR SUDDIVISION 1.794 ACRES TRA PL2003-4789
Legal Subdivision	A
Legal Tract	A
Legal Block	29
Legal Lot Number	5495
Jurisdiction	HENDERSON NC
Township / Civil Division	GREEN RIVER
Census Block Group	1
Census Block	1096
Census Tract	932000

Owner

Source: Henderson County records, as of October 5, 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	477 ANDERS RD, ZIRCONIA, NC 28790-8790
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Sep 21, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2007 · Amount on Record
Deed Sale	Sep 21, 2007 · Amount on Record
Prior Sale	Jan 10, 2005 · Amount on Record
Deed Book / Page	1335 / 135
Prior Transfer Date	Sep 20, 2007
Prior Transfer Doc	0013350135
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Sep 23, 2026
Property Address	477 ANDERS RD, ZIRCONIA, NC 28790-8790
Document Number	0001056029
Book / Page	4493 / 1
Instrument Date	Sep 12, 2026
Instrument	20261056029
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 ANDERS RD, ZIRCONIA, NC 28790-8790

Mortgage

Document Number	0001056029,
Date	Sep 23, 2026
Book Page	4493/1
Instrument	20261056029

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 17, 2066

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	477 ANDERS RD, ZIRCONIA, NC 28790-8790
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 ANDERS RD, ZIRCONIA, NC 28790-8790

Mortgage

Document Number	0040880282
Date	Sep 21, 2023
Book Page	4088/282
Instrument	1001003921

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	477 ANDERS RD, ZIRCONIA, NC 28790-8790
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037700236
Date	Aug 23, 2021
Book Page	3770/236
Instrument	961071

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$292,000 (-) Land $55,400 Building $236,600
2025	$1,550.00	$292,000 (+0.9%) Land $55,400 Building $236,600
2023		$289,400 Land $55,400 Building $234,000	$292,000 Land $55,400 Building $236,600

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	7 in force
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 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	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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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