Henderson County property record for 646 Crest Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,015 sqft · built 1979 |
| Lot Size | 3.75 acres (163,350 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,173 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9587684452 |
| Primary APN | 9587684452 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,015 sqft Heated Area |
| 1st Floor Area | 2,193 sqft |
| Basement Area | 1,644 sqft |
| Finished Basement | 822 sqft |
| Unfinished Basement | 822 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 163,350 sqft (3.75 acres) |
| Garage Type | Detached |
| Garage Area | 2,135 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 176 sqft |
| Patio Area | 288 sqft |
| Pole Barn | 2,160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 9974127 |
|---|---|
| Street Address | 646 CREST RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9974127~R1 |
| Legal Description | SR1804 ON CREST RD PL2004-4865 |
| Legal Subdivision | DWAYNE GERALD HILL |
| Legal Block | 68 |
| Legal Lot Number | 4452 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 930201 |
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 | PO BOX 193, HENDERSONVILLE, NC 28793-0193 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 646 CREST RD, FLAT ROCK, NC 28731-7731 |
| Document Number | 0034090208 |
| Instrument Date | Nov 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2019 |
| Title Company | NETCO INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 646 REST RD FLAT ROCK NC 28731, FLAT ROCK, NC 28731 |
| Document Number | 0034090208 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 003409/000208 |
| Instrument | 914076 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 2049 |
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 | $387,500 (-1.72%) Land $67,500 Building $320,000 | ||
| 2025 | $2,173.00 | ||
| 2023 | $394,300 Land $67,500 Building $326,800 | $387,500 Land $67,500 Building $320,000 |
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 | 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.
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 | 0.05% 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 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Spectrum.
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