511 Oak Grove Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 511 Oak Grove Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,438 sqft · built 1948
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jul 2026)
Tax Bill	$488 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9587425612`

Property Details

APN / Parcel Number

Primary APN	`9587425612`
Alternative APNs	`0202559` `202559`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,438 sqft Heated Area
1st Floor Area	1,248 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	202559
Street Address	511 OAK GROVE RD
City	FLAT ROCK
State	NC
Zip	28731-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	202559~R1
Legal Description	WARD HEIGHTS LO10 & 11 PLB-197A
Legal Subdivision	WARD HEIGHTS
Legal Block	42
Legal Lot Number	5612
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	1
Census Block	1009
Census Tract	931401

Owner

511 Oak Grove Rd is owned by two individuals who bought it in July 2026.

Source: Henderson County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	311 OAK GROVE RD, FLAT ROCK, NC 28731-9729
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Jul 22, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on File
Deed Sale	Jul 22, 2026 · Amount on File
Prior Sale	Mar 24, 2011
Deed Document Number	20261053011
Deed Book / Page	4468 / 124
Prior Transfer Date	Oct 12, 2011
Prior Transfer Doc	0014760014
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Jul 22, 2026
Property Address	511 OAK GROVE RD, FLAT ROCK, NC 28731-9777
Document Number	0001053012
Book / Page	4468 / 130
Instrument Date	Jul 22, 2026
Instrument	20261053012
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 OAK GROVE RD, FLAT ROCK, NC 28731-9777

Mortgage

Document Number	0001053012,
Date	Jul 22, 2026
Book Page	4468/130
Instrument	20261053012

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 22, 2026
Property Address	511 OAK GROVE RD, FLAT ROCK, NC 28731-9777
Document Number	0001053011
Book / Page	4468 / 124
Instrument Date	Jul 2, 2026
Instrument	20261053011
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001053012,
Date	Jul 22, 2026
Instrument	20261053012

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

Tax Assessment & Valuation

The 2025 property tax bill for 511 Oak Grove Rd was $488.

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		$174,100 (-) Land $33,500 Building $140,600
2025	$488.00	$174,100 Land $33,500 Building $140,600
2024	$488.00
2023		$174,100 Land $33,500 Building $140,600	$174,100 Land $33,500 Building $140,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 511 Oak Grove Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Wildfire risk around 511 Oak Grove Rd is low, with a 0.02% annual chance of 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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