50 Duncan Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 50 Duncan Rd, Flat Rock, NC 28731

Property Summary

Property Type	Duplex
Details	4 ba · 2,422 sqft · built 2011
Lot Size	2.09 acres (91,040 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Apr 2026)
Tax Bill	$5,856 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9578597228`

Property Details

APN / Parcel Number

Primary APN	`9578597228`
Alternative APNs	`00957859722855` `9943031`

Interior

Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,422 sqft Heated Area
1st Floor Area	2,422 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2016
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	91,040 sqft (2.09 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	768 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9943031
Street Address	50 DUNCAN RD
City	FLAT ROCK
State	NC
Zip	28731-4708
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	9943031~R1
Legal Description	SR1754 ON DUNCAN RD
Legal Block	59
Legal Lot Number	7228
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	3
Census Block	3034
Census Tract	931000

Owner

Source: Henderson County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	50 DUNCAN RD, FLAT ROCK, NC 28731-4708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK AND TRUST COMPANY
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK AND TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2026 · Amount on Record
Deed Sale	Apr 15, 2026 · Amount on Record
Prior Sale	Jan 8, 2010 · Amount on Record
Deed Document Number	20261047618
Deed Book / Page	4424 / 116
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 15, 2026
Property Address	50 DUNCAN RD, FLAT ROCK, NC 28731-4708
Document Number	0001047618
Book / Page	4424 / 116
Instrument Date	Apr 10, 2026
Instrument	2026.1047618
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 DUNCAN RD, FLAT ROCK, NC 28731-4708

Mortgage

Document Number	0001047619,
Date	Apr 15, 2026
Instrument	2026.1047619

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0001047620,
Date	Apr 15, 2026
Book Page	4424/135
Instrument	2026.1047620

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Amount	Amount Recorded

Interest

Rate	6%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 15, 2026
Property Address	50 DUNCAN RD, FLAT ROCK, NC 28731-4708
Document Number	0001047618
Book / Page	4424 / 116
Instrument Date	Apr 10, 2026
Instrument	20261047618
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 DUNCAN RD, FLAT ROCK, NC 28731-4708

Mortgage

Document Number	0001047619,
Date	Apr 15, 2026
Instrument	20261047619

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0001047620,
Date	Apr 15, 2026
Book Page	4424/135
Instrument	20261047620

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Amount	Amount Recorded

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of May 28, 2025

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
2025	$5,856.00	$1,043,800 (-) Land $61,800 Building $982,000
2023		$1,043,800 Land $61,800 Building $982,000	$1,043,800 Land $61,800 Building $982,000

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	3 in force
Nearby Flood Claims	9 (1994–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims Tropical Storm Frances, Sep 2004 · 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	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HENDERSONVILLE serves 79,278 people · EPA ID NC0145010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: AT&T, Verizon.

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