Henderson County property record for 538 Stepp Rd, Hendersonville, NC 28792
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,621 sqft · built 1999 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,664 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9671402319 |
| Primary APN | 9671402319 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,621 sqft Heated Area |
| 1st Floor Area | 1,421 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,185 sqft (0.67 acres) |
| Garage Area | 551 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 132 sqft |
| Deck Area | 144 sqft |
| Patio Area | 685 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9960654 |
|---|---|
| Street Address | 538 STEPP RD |
| City | HENDERSONVILLE |
| State | NC |
| Zip | 28792-6590 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9960654~R2 |
| Legal Description | #01 PINEY OAK HILLS PL1997-2591 |
| Legal Subdivision | PINEY OAK HILLS (3900) |
| Legal Block | 40 |
| Legal Lot Number | 2319 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 930401 |
Source: Henderson County records, as of July 14, 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 | 538 STEPP RD, HENDERSONVILLE, NC 28792-6590 |
| 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 | 538 STEPP RD, HENDERSONVILLE, NC 28792-6590 |
| Document Number | 0009410642 |
| Instrument Date | Nov 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 538 STEPP RD HENDERSONVILLE NC 287926590, HENDERSONVILLE, NC 28792-6590 |
| Document Number | 0009410642 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 000941/000642 |
| Instrument | 939442 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | PO BOX 26592, RALEIGH, NC 27611-6592 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $304,900 (+8.82%) Land $61,800 Building $243,100 | ||
| 2025 | $1,664.00 | ||
| 2023 | $280,200 Land $61,800 Building $218,400 | $304,900 Land $61,800 Building $243,100 |
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 | 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.
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.
5G (outdoors only) and 4G LTE
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