Henderson County property record for 489 Stepp Rd, Hendersonville, NC 28792
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,180 sqft · built 2021 |
| Lot Size | 1.49 acres (64,904 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,797 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9671402051 |
| Primary APN | 9671402051 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,180 sqft Heated Area |
| 1st Floor Area | 1,590 sqft |
| Basement Area | 1,590 sqft |
| Finished Basement | 1,590 sqft |
| Unfinished Basement | 1,590 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Lot Area | 64,904 sqft (1.49 acres) |
| Garage Area | 701 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 526 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10006067 |
|---|---|
| Street Address | 489 STEPP RD |
| City | HENDERSONVILLE |
| State | NC |
| Zip | 28792-6589 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10006067~R |
| Legal Description | STEPP ROAD |
| Legal Block | 40 |
| Legal Lot Number | 2051 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 930401 |
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 Record |
|---|---|
| Mailing Address | 489 STEPP RD, HENDERSONVILLE, NC 28792-6589 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 489 STEPP RD, HENDERSONVILLE, NC 28792-6589 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0038600112 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 3860/112 |
| Instrument | 972419 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Dec 25, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $512,300 (-) Land $60,900 Building $451,400 | ||
| 2025 | $2,797.00 | $512,300 (-) Land $60,900 Building $451,400 | |
| 2024 | $2,797.00 | ||
| 2023 | $512,300 Land $60,900 Building $451,400 | $512,300 Land $60,900 Building $451,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% 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.
Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, T-Mobile, Verizon.
5G and 4G LTE (outdoors only)
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