55 Pamlico Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 55 Pamlico Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,130 sqft · built 2007
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Oct 2023)
Tax Bill	$2,628 (2025)
Deeds & Mortgages	Oct 2023 Sale Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9652001399`

Property Details

APN / Parcel Number

Primary APN	`9652001399`
Alternative APN	`1006088`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,130 sqft Heated Area
1st Floor Area	2,130 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,970 sqft (0.16 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1006088
Street Address	55 PAMLICO RD
City	FLETCHER
State	NC
Zip	28732-8756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1006088~R1
Legal Description	RIVER STONE LO239 PL2006-6320
Legal Subdivision	RIVER STONE
Legal Lot Number	1399
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1017
Census Tract	930501

Owner

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	55 PAMLICO RD, FLETCHER, NC 28732-8756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Warranty Deed, Transfer
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Apr 22, 2015 · Amount on Record
Deed Document Number	20231005776
Deed Book / Page	4101 / 164
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 30, 2023
Property Address	55 PAMLICO RD, FLETCHER, NC 28732-8756
Document Number	0041010164
Book / Page	4101 / 164
Map Reference	SL 6320
Instrument Date	Oct 25, 2023
Instrument	1001005776
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount Recorded
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 N TUPELO DR, HORSE SHOE, NC 28742-8625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 PAMLICO RD, FLETCHER, NC 28732-8756

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	55 PAMLICO RD, FLETCHER, NC 28732-8756
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039740611
Date	Oct 14, 2022
Book Page	3974/611
Instrument	988134

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	55 PAMLICO RD, FLETCHER, NC 28732-8756
Document Number	0033810548
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 PAMLICO RD FLETCHER NC 287328756, FLETCHER, NC 28732-8756

Mortgage

Document Number	0033810548
Date	Sep 4, 2019
Book Page	003381/000548
Instrument	910247

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

Tax Assessment & Valuation

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		$490,300 (+1.03%) Land $160,000 Building $330,300
2025	$2,628.00
2023		$485,300 Land $160,000 Building $325,300	$490,300 Land $160,000 Building $330,300

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	9 in force
Nearby Flood Claims	4 (2018–2024)
Claims Outside the SFHA	4 of 4
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

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	0.01% annual chance
Exposure	Indirect within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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