6 Pine Needle Dr, Fletcher, NC 28732 Property Records

Henderson County property record for 6 Pine Needle Dr, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,924 sqft · built 1981
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Nov 2008)
Tax Bill	$1,521 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9653003094`

Property Details

APN / Parcel Number

Primary APN	`9653003094`
Alternative APNs	`0701837` `701837`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,924 sqft Heated Area
1st Floor Area	942 sqft
Upper Floors Area	471 sqft
Basement Area	942 sqft
Finished Basement	471 sqft
Unfinished Basement	471 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)

Exterior Amenities

Porch	Patio
Porch Area	202 sqft
Deck Area	200 sqft
Balcony Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	701837
Street Address	6 PINE NEEDLE DR
City	FLETCHER
State	NC
Zip	28732-9542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	701837~R-1
Legal Description	#193 SEC 4 WILDWOOD SD SE4
Legal Subdivision	WILDWOOD SEC 4 (2813)
Legal Lot Number	3094
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1008
Census Tract	930600

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	6 PINE NEEDLE DR, FLETCHER, NC 28732-9542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2008 · Amount on Record
Deed Sale	Nov 3, 2008 · Amount on Record
Deed Book / Page	1378 / 249
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Jun 9, 2026
Property Address	6 PINE NEEDLE DR, FLETCHER, NC 28732-9542
Document Number	0001050625
Book / Page	4448 / 496
Instrument Date	Jun 4, 2026
Instrument	20261050625
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 PINE NEEDLE DR, FLETCHER, NC 28732-9542

Mortgage

Document Number	0001050625,
Date	Jun 9, 2026
Book Page	4448/496
Instrument	20261050625

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2056

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	6 PINE NEEDLE DR, FLETCHER, NC 28732-9542
Document Number	0033460325
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6 PINE NEEDLE DR FLETCHER NC 287329542, FLETCHER, NC 28732-9542

Mortgage

Document Number	0033460325
Date	Jun 14, 2019
Book Page	003346/000325
Instrument	905274

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 13, 2039

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Municipality	Fletcher Town
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$353,000 (-) Land $100,000 Building $253,000
2025	$1,521.00	$353,000 (-) Land $100,000 Building $253,000
2023		$353,000 Land $100,000 Building $253,000	$353,000 Land $100,000 Building $253,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	21 (2009–2024)
Claims Outside the SFHA	9 of 21
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 11 claims

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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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