48 Waterfall Rd, Henderson, NC 27537 Property Records

Vance County property record for 48 Waterfall Rd, Henderson, NC 27537

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,904 sqft · built 2004
Lot Size	0.446 acres (19,428 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (Sep 2023)
Tax Bill	$2,095 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0412A01018`

Property Details

APN / Parcel Number

Primary APN	`0412A01018`
Alternative APNs	`1024133` `1037131`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,904 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Lot Area	19,428 sqft (0.446 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	1037131
Street Address	48 WATERFALL RD
City	HENDERSON
State	NC
Zip	27537-6920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	48 WATERFALL RD LOT 156 .446
Legal Block	01
Legal Lot Number	156
Jurisdiction	VANCE NC
Township / Civil Division	DABNEY
Census Block Group	3
Census Block	3021
Census Tract	960300

Owner

Source: Vance County records, as of October 20, 2025

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
Co-owner	Co-owner on Record
Mailing Address	48 WATERFALL RD, HENDERSON, NC 27537-6920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Deed of Trust, Mortgage · VA Mortgage TEXANA BANK NA
Sep 14, 2023	Warranty Deed, Transfer · VA Mortgage TRUIST BANK
Sep 14, 2017	Warranty Deed, Transfer · VA Mortgage MORTGAGE LENDERS OF AMERICA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Sep 14, 2017 · Amount on Record
Deed Document Number	0014370683
Deed Book / Page	1437 / 683
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VANCE NC
Property Address	48 WATERFALL RD, HENDERSON, NC 27537-6920
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01376/1142
Date	Jul 7, 2020
Book Page	1376/1142
Instrument	2196

Lender

Name	TEXANA BANK NA
Type	Bank
Address	TEXARKANA, TX 75503

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Sep 14, 2023
Property Address	48 WATERFALL RD, HENDERSON, NC 27537-6920
Document Number	001437/683
Book / Page	1437 / 683
Map Reference	MB W PG 894
Instrument Date	Aug 14, 2023
Instrument	3302
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$672.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WATERFALL RD, HENDERSON, NC 27537-6920

Mortgage

Document Number	0000003303
Date	Sep 14, 2023
Instrument	3303

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Sep 14, 2017
Property Address	48 WATERFALL RD, HENDERSON, NC 27537-6920
Document Number	01332/1051
Book / Page	1332 / 1051
Map Reference	MB W PG 894
Instrument Date	Sep 2, 2014
Instrument	03702
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$392.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 241, MIDDLEBURG, NC 27556-0241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WATERFALL RD, HENDERSON, NC 27537-6920

Mortgage

Document Number	0000003703
Date	Sep 14, 2017
Instrument	03703

Lender

Name	MORTGAGE LENDERS OF AMERICA LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Vance County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Vance County
Unified School District	Vance County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,095.00 (+9.11%)	$242,850 (+32.05%) Land $17,840 Building $225,010	$242,850 (+32.05%) Land $17,840 Building $225,010
2023	$1,920.00	$183,912 Land $18,000 Building $165,912	$183,912 Land $18,000 Building $165,912

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 September 18, 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	3 in force
Nearby Flood Claims	2 (2005–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2020 · river or lake flooding

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
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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