Henderson County property record for 623 Duncan Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,394 sqft · built 1999 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Jul 2024) |
| Tax Bill | $2,039 (2025) |
| Deeds & Mortgages | Mar 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 9578677006 |
| Primary APN | 9578677006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,394 sqft Heated Area |
| 1st Floor Area | 1,894 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,136 sqft (0.6 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 108 sqft |
| Pole Barn | 299 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9962221 |
|---|---|
| Street Address | 623 DUNCAN RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-4714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9962221~R1 |
| Legal Description | SR1754 ON DUNCAN ROAD |
| Legal Tract | 1 |
| Legal Block | 67 |
| Legal Lot Number | 7006 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 931000 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 597 DUNCAN RD, FLAT ROCK, NC 28731-4713 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2024 · Amount on Record |
| Deed Sale | Jul 25, 2024 · Amount on Record |
| Deed Document Number | 20241017817 |
| Deed Book / Page | 4191 / 113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Mar 23, 2022 |
| Property Address | 623 DUNCAN RD, FLAT ROCK, NC 28731-4714 |
| Document Number | 0038880036 |
| Book / Page | 3888 / 36 |
| Map Reference | MB 2021 PG 13327 |
| Instrument Date | Mar 23, 2022 |
| Instrument | 976247 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 27, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 623 DUNCAN RD, 623, FLAT ROCK, NC 28731-4714 |
| Name | Verified Name |
|---|---|
| Address | 449 CLARK GAP RD, FLETCHER, NC 28732-6640 |
| Document Number | 0000976248 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 976248 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.62% |
| Index | Other |
| Max Rate | 8.62% |
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 | $363,600 (+1.71%) Land $31,200 Building $332,400 | ||
| 2025 | $2,039.00 | ||
| 2023 | $357,500 Land $31,200 Building $326,300 | $363,600 Land $31,200 Building $332,400 |
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 | 3 in force |
| Nearby Flood Claims | 9 (1994–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
May also be available: T-Mobile, Verizon.
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