491 E Waycliff Rd, Henderson, NC 27537 Property Records

Vance County property record for 491 E Waycliff Rd, Henderson, NC 27537

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,768 sqft · built 2022
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$590 (Oct 2022)
Tax Bill	$2,597 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0412E01030`

Property Details

APN / Parcel Number

Primary APN	`0412E01030`
Alternative APNs	`041202001` `1029012` `1035194`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,768 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1035194
Street Address	491 E WAYCLIFF RD
City	HENDERSON
State	NC
Zip	27537-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	491 E WAYCLIFF RD LOT 45 .250
Legal Subdivision	HUNTSTONE SUBDIVISION
Legal Tract	C
Legal Block	01
Legal Lot Number	45
Jurisdiction	VANCE NC
Township / Civil Division	DABNEY
Census Block Group	3
Census Block	3021
Census Tract	960300

Owner

Source: Vance County records, as of July 28, 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	491 E WAYCLIFF RD, HENDERSON, NC 27537-3332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 24, 2023	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Oct 10, 2022	Special Warranty Deed, Transfer · FHA Mortgage INSPIRE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2022 · Amount on Record
Deed Sale	Oct 10, 2022 · Amount on Record
Deed Document Number	20224261
Deed Book / Page	1423 / 472
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VANCE NC
Recording Date	Aug 12, 2026
Property Address	491 E WAYCLIFF RD, HENDERSON, NC 27537-3332
Document Number	0000002709
Book / Page	1481 / 775
Instrument Date	Jul 15, 2026
Instrument	20262709
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 E WAYCLIFF RD, HENDERSON, NC 27537-3332

Mortgage

Document Number	0000002709,
Date	Aug 12, 2026
Book Page	1481/775
Instrument	20262709

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Nov 1, 2052

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VANCE NC
Property Address	491 E WAYCLIFF RD, HENDERSON, NC 27537-3332
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 E WAYCLIFF RD, HENDERSON, NC 27537-3332

Mortgage

Document Number	001436/813
Date	Aug 24, 2023
Book Page	1436/813
Instrument	3027

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MONTCALM, WV 24737

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Nov 1, 2052

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Oct 10, 2022
Property Address	491 E WAYCLIFF RD, HENDERSON, NC 27537-3332
Document Number	001423/472
Book / Page	1423 / 472
Map Reference	MB Z PG 455
Instrument Date	Sep 7, 2022
Instrument	4261
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	PARKWAY TITLE INC, PARKWAY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3091 GOVERNORS LAKE DR # DR300, DR300, PEACHTREE CORNERS, GA 30071-1143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 E WAYCLIFF RD, HENDERSON, NC 27537-3332

Mortgage

Document Number	0000004262
Date	Oct 10, 2022
Instrument	4262

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Vance County assessment roll, as of July 28, 2026

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
2026	$2,597.00 (-5.32%)	$323,456 (-) Land $10,000 Building $313,456	$323,456 (-) Land $10,000 Building $313,456
2025	$2,743.00 (-2.94%)	$323,456 (+17.02%) Land $10,000 Building $313,456	$323,456 (+17.02%) Land $10,000 Building $313,456
2023	$2,826.00	$276,420 Land $18,000 Building $258,420	$276,420 Land $18,000 Building $258,420

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	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 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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