Henderson County property record for 545 Oak Grove Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,110 sqft · built 1961 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Sep 2021) |
| Tax Bill | $1,082 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage May 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9587433472 |
| Primary APN | 9587433472 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,110 sqft Heated Area |
| 1st Floor Area | 870 sqft |
| Basement Area | 87 sqft |
| Unfinished Basement | 87 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Porch | Slab |
| Porch Area | 150 sqft |
| Deck Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 201748 |
|---|---|
| Street Address | 545 OAK GROVE RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 201748~R1 |
| Legal Description | SR1807 ON OAK GROVE RD |
| Legal Block | 43 |
| Legal Lot Number | 3472 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 931401 |
Source: Henderson County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 545 OAK GROVE RD, FLAT ROCK, NC 28731-9777 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2021 | Warranty Deed, Transfer · USDA Mortgage SEATRUST MORTGAGE CO |
| May 9, 2019 | Deed of Trust, Mortgage · Line of Credit LOCAL GOV'T EMPS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2021 · Amount on Record |
| Deed Sale | Sep 9, 2021 · Amount on Record |
| Prior Sale | Jun 1, 2005 · Amount on Record |
| Deed Document Number | 2021962341 |
| Deed Book / Page | 3780 / 714 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Sep 9, 2021 |
| Property Address | 545 OAK GROVE RD, FLAT ROCK, NC 28731-9777 |
| Document Number | 0037800714 |
| Book / Page | 3780 / 714 |
| Map Reference | MB 402 PG 437 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 962341 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 LAMPLIGHTER LN, 401, EAST FLAT ROCK, NC 28726-2800 |
| Name | Verified Name |
|---|---|
| Address | 545 OAK GROVE RD, FLAT ROCK, NC 28731-9777 |
| Document Number | 0000962342 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 962342 |
| Name | SEATRUST MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 545 OAK GROVE RD, FLAT ROCK, NC 28731-9777 |
| Document Number | 0033350471 |
| Instrument Date | May 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 545 OAK GROVE RD FLAT ROCK NC 287319777, FLAT ROCK, NC 28731-9777 |
| Document Number | 0033350471 |
|---|---|
| Date | May 17, 2019 |
| Book Page | 003335/000471 |
| Instrument | 903712 |
| Name | LOCAL GOV'T EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | RUTHERFORDTON, NC 28139 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $192,900 (-) Land $51,600 Building $141,300 | ||
| 2025 | $1,082.00 | ||
| 2023 | $192,900 Land $51,600 Building $141,300 | $192,900 Land $51,600 Building $141,300 |
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 | 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.
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 | 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.
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 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Spectrum, T-Mobile.
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