494 Stepp Rd, Hendersonville, NC 28792 Property Records

Henderson County property record for 494 Stepp Rd, Hendersonville, NC 28792

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,680 sqft · built 1998
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$423,000 (Apr 2023)
Tax Bill	$2,281 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`9671403232`

Property Details

APN / Parcel Number

Primary APN	`9671403232`
Alternative APNs	`00967140323255` `9960656`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,680 sqft Heated Area
1st Floor Area	1,620 sqft
Basement Area	1,749 sqft
Unfinished Basement	1,749 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2015
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Deck Area	232 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9960656
Street Address	494 STEPP RD
City	HENDERSONVILLE
State	NC
Zip	28792-6589
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	9960656~R2
Legal Description	PINEY OAK HILLS LO7 PL1997-2591
Legal Subdivision	PINEY OAK HILLS (3900)
Legal Block	40
Legal Lot Number	3232
Jurisdiction	HENDERSON NC
Township / Civil Division	CLEAR CREEK
Census Block Group	1
Census Block	1007
Census Tract	930401

Owner

Source: Henderson County records, as of August 11, 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	494 STEPP RD, HENDERSONVILLE, NC 28792-6589
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Apr 18, 2023	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC
Sep 7, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Nov 20, 2020	Warranty Deed, Transfer · VA Mortgage GOPRIME MORTGAGE INC
Nov 27, 2019	Deed of Trust, Mortgage · Conventional with PMI MOVEMENT MTG
May 14, 2018	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2023 · Amount on Record
Deed Sale	Apr 18, 2023 · Amount on Record
Prior Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	2023996399
Deed Book / Page	4033 / 443
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Jul 27, 2026
Property Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589
Document Number	0001053244
Book / Page	4469 / 696
Instrument Date	Jul 17, 2026
Instrument	20261053244
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589

Mortgage

Document Number	0001053244,
Date	Jul 27, 2026
Book Page	4469/696
Instrument	20261053244

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 12, 2046

Interest

Rate	6.47%
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 18, 2023
Property Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589
Document Number	0040330443
Book / Page	4033 / 443
Map Reference	SL 2591
Instrument Date	Apr 12, 2023
Instrument	1000996399
Transaction Type	Transfer
Record Updated	May 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$846.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 S OCEAN DR APT 604, 604, FT LAUDERDALE, FL 33316-3723

Mortgage

Document Number	1000996400
Date	Apr 18, 2023
Instrument	1000996400

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037790106
Date	Sep 7, 2021
Book Page	3779/106
Instrument	962111

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Nov 20, 2020
Property Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589
Document Number	0036030387
Book / Page	3603 / 387
Map Reference	SL 2591
Instrument Date	Nov 9, 2020
Instrument	938747
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7448 RIDGE RD, 7448, FAIRLAWN, VA 24141-8836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589

Mortgage

Document Number	938748
Date	Nov 20, 2020
Instrument	938748

Lender

Name	GOPRIME MORTGAGE INC
Type	Non-Lending Institution

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589
Document Number	0034210459
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	494 STEPP RD HENDERSONVILLE NC 287926589, HENDERSONVILLE, NC 28792-6589

Mortgage

Document Number	0034210459
Date	Dec 3, 2019
Book Page	003421/000459
Instrument	915758

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 14, 2018
Property Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589
Document Number	0031970539
Book / Page	3197 / 539
Instrument Date	May 9, 2018
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 STEPP RD, HENDERSONVILLE, NC 28792-6589

Mortgage

Document Number	0031970543
Date	May 14, 2018
Book Page	3197/543

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

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		$417,800 (-) Land $84,200 Building $333,600
2025	$2,281.00	$417,800 (+2.13%) Land $84,200 Building $333,600
2023		$409,100 Land $84,200 Building $324,900	$417,800 Land $84,200 Building $333,600

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	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	Tropical Storm Helene, Sep 2024 · 2 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 45 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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