Henderson County property record for 621 Roper Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,680 sqft · built 1973 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Sep 2022) |
| Tax Bill | $1,704 (2025) |
| Deeds & Mortgages | Mar 2023 Reverse Mortgage Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9587007674 |
| Primary APN | 9587007674 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,680 sqft Heated Area |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 1,680 sqft |
| Unfinished Basement | 1,680 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Porch | Patio |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1010755 |
|---|---|
| Street Address | 621 ROPER RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-6734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1010755~R1 |
| Legal Description | SLIDE 7388 TR2 PL2008-7388 |
| Legal Subdivision | BLUE RIDGE |
| Legal Tract | 2 |
| Legal Lot Number | 7674 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 931402 |
Source: Henderson County records · APN 9587007674
Assessment roll updated July 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 621 ROPER RD, FLAT ROCK, NC 28731-6734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2023 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Sep 07, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 15, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 07, 2022 · Amount on Record |
| Deed Sale | Sep 07, 2022 · Amount on Record |
| Prior Sale | Feb 23, 2015 · Amount on Record |
| Deed Document Number | 2022986146 |
| Deed Book / Page | 3959 / 466 |
| Prior Transfer Date | Mar 01, 2022 |
| Prior Transfer Doc | 0038830156 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 621 ROPER RD, FLAT ROCK, NC 28731-6734 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2023 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 621 ROPER RD, FLAT ROCK, NC 28731-6734 |
| Document Number | 0040270660 |
|---|---|
| Date | Mar 31, 2023 |
| Book Page | 4027/660 |
| Instrument | 1000995594 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.29% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 01, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Sep 07, 2022 |
| Property Address | 621 ROPER RD, FLAT ROCK, NC 28731-6734 |
| Document Number | 0039590466 |
| Book / Page | 3959 / 466 |
| Map Reference | SL 7388 |
| Instrument Date | Sep 02, 2022 |
| Instrument | 986146 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 433 HILLCREST CIR, 433, HENDERSONVILLE, NC 28792-3010 |
| Name | Verified Name |
|---|---|
| Address | 621 ROPER RD, FLAT ROCK, NC 28731-6734 |
| Document Number | 0000986147 |
|---|---|
| Date | Sep 07, 2022 |
| Instrument | 986147 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Mar 15, 2022 |
| Property Address | 621 ROPER RD, FLAT ROCK, NC 28731-6734 |
| Document Number | 0038830156 |
| Book / Page | 3883 / 156 |
| Map Reference | SL 7388 |
| Instrument Date | Mar 01, 2022 |
| Instrument | 975611 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 621 ROPER RD, FLAT ROCK, NC 28731-6734 |
Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $303,800 (-) Land $17,900 Building $285,900 | ||
| 2025 | $1,704.00 | $303,800 (-) Land $17,900 Building $285,900 | |
| 2023 | $303,800 Land $17,900 Building $285,900 | $303,800 Land $17,900 Building $285,900 |
Source: FEMA National Flood Hazard Layer, Henderson County (37089C), as of October 12, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370899314022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 5 (2024–2025) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | May 2025 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Spectrum, T-Mobile USA.
Based on FCC filings for 67 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NC0145010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF HENDERSONVILLE serves 79,278 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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