Henderson County property record for 59 Denise Dr, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,268 sqft · built 1997 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Apr 2005) |
| Tax Bill | $1,667 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9597376415 |
| Primary APN | 9597376415 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,268 sqft Heated Area |
| 1st Floor Area | 1,168 sqft |
| Basement Area | 1,500 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 600 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,965 sqft (1.17 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Porch | Porch |
| Porch Area | 392 sqft |
| Deck Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 9951029 |
|---|---|
| Street Address | 59 DENISE DR |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-6666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9951029~R2 |
| Legal Description | EAGLE VIEW LO15R PL1996-2243 |
| Legal Subdivision | EAGLE VIEW (3813) |
| Legal Block | 37 |
| Legal Lot Number | 6415 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 930201 |
59 Denise Dr is owned and occupied by two individuals who bought it in April 2005.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 59 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Jan 29, 2018 | Deed of Trust, Mortgage · VA Mortgage THE FSB |
| Sep 1, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LNS |
| Aug 27, 2019 | Deed of Trust, Mortgage FEDERAL SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2005 · Amount on File |
| Deed Sale | Apr 19, 2005 · Amount on File |
| Deed Book / Page | 1223 / 596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 59 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0037880189 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 3788/189 |
| Instrument | 963308 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 59 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031570386 |
|---|---|
| Date | Jan 29, 2018 |
| Book Page | 3157/386 |
| Name | THE FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Feb 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 59 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Document Number | 0015390146 |
| Instrument Date | Sep 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 59 DENTSE DR FLAT ROCK NC 28731, FLAT ROCK, NC 28731 |
| Document Number | 0015390146 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 001539/000146 |
| Instrument | 933178 |
| Name | CALIBER HM LNS |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 59 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Document Number | 0033810400 |
| Instrument Date | Aug 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0033810400 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 003381/000400 |
| Instrument | 910214 |
| Name | FEDERAL SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CHICAGO, IL 60607 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 2, 2049 |
The 2025 property tax bill for 59 Denise Dr was $1,667.
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 | $342,200 Land $62,000 Building $280,200 | ||
| 2025 | $1,667.00 | ||
| 2023 | $342,200 Land $62,000 Building $280,200 | $342,200 Land $62,000 Building $280,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 59 Denise Dr in Zone X, an area of minimal flood risk.
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 |
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 59 Denise Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
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