Henderson County property record for 540 Oak Grove Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,372 sqft · built 1955 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Aug 2025) |
| Tax Bill | $1,011 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 9587436343 |
| Primary APN | 9587436343 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,372 sqft Heated Area |
| 1st Floor Area | 580 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Area | 341 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 75 sqft |
| Patio Area | 429 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Canopy | 84 sqft |
| Utility Building | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9966227 |
|---|---|
| Street Address | 540 OAK GROVE RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9966227~R1 |
| Legal Description | SR1807 ON OAK GROVE RD |
| Legal Subdivision | AMOS R & KAREN S ESH |
| Legal Block | 43 |
| Legal Lot Number | 6343 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 931401 |
540 Oak Grove Rd is owned and occupied by two individuals who bought it in August 2025.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 540 OAK GROVE RD, FLAT ROCK, NC 28731-9777 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2025 · Amount on File |
| Deed Sale | Aug 29, 2025 · Amount on File |
| Deed Document Number | 20251036359 |
| Deed Book / Page | 4332 / 569 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 540 Oak Grove Rd was $1,011.
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 | $279,200 Land $32,600 Building $246,600 | ||
| 2025 | $1,011.00 | ||
| 2023 | $180,300 Land $32,600 Building $147,700 | $279,200 Land $32,600 Building $246,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 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 risk around 540 Oak Grove Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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