646 E Sunset Dr, Hendersonville, NC 28791 Property Records

Henderson County property record for 646 E Sunset Dr, Hendersonville, NC 28791

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,436 sqft · built 1985
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (May 2020)
Tax Bill	$1,901 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9549967377`

Property Details

APN / Parcel Number

Primary APN	`9549967377`
Alternative APNs	`00954996737755` `9903992`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,436 sqft Heated Area
1st Floor Area	1,404 sqft
Basement Area	1,233 sqft
Finished Basement	708 sqft
Unfinished Basement	525 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,768 sqft (0.89 acres)
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	556 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9903992
Street Address	646 E SUNSET DR
City	HENDERSONVILLE
State	NC
Zip	28791-2098
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9903992~R2
Legal Description	SUNSET DR ON UN10-6-1989 BU89-186
Legal Subdivision	PLAT SURV BERTHA F CROWELL
Legal Block	96
Legal Lot Number	7377
Legal Unit	10
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	2
Census Block	2011
Census Tract	931802

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	646 E SUNSET DR, HENDERSONVILLE, NC 28791-2098
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 30, 2017	Deed of Trust, Mortgage · VA Mortgage SECURITY AMERICA MORTGAGE
May 22, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Apr 20, 2017	Warranty Deed, Transfer · VA Mortgage SECURITY AMERICA MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Prior Sale	Apr 20, 2017 · Amount on Record
Deed Document Number	2020925396
Deed Book / Page	3495 / 486
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	646 E SUNSET DR, HENDERSONVILLE, NC 28791-2098
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 E SUNSET DR, HENDERSONVILLE, NC 28791-2098

Mortgage

Document Number	0040860117
Date	Sep 14, 2023
Book Page	4086/117
Instrument	1001003621

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	646 E SUNSET DR, HENDERSONVILLE, NC 28791-2098
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031350507
Date	Nov 30, 2017
Book Page	3135/507
Instrument	874659

Lender

Name	SECURITY AMERICA MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 22, 2020
Property Address	646 E SUNSET DR, HENDERSONVILLE, NC 28791-2098
Document Number	0034950484
Book / Page	003495 / 000484
Instrument Date	May 22, 2020
Instrument	925396
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	646 E SUNSET DR HENDERSONVILLE NC 287912098, HENDERSONVILLE, NC 28791-2098

Mortgage

Document Number	34950487
Date	May 22, 2020
Book Page	003495/000487
Instrument	925397

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 20, 2017
Property Address	646 E SUNSET DR, HENDERSONVILLE, NC 28791-2098
Document Number	0030430407
Book / Page	3043 / 407
Instrument Date	Jan 13, 2017
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 E SUNSET DR, HENDERSONVILLE, NC 28791-2098

Mortgage

Document Number	0030430411
Date	Apr 20, 2017
Book Page	3043/411

Lender

Name	SECURITY AMERICA MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$348,300 (-) Land $68,800 Building $279,500
2025	$1,901.00
2023		$348,300 Land $68,800 Building $279,500	$348,300 Land $68,800 Building $279,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: AT&T.

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