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653 Eli Capps Rd, Zirconia, NC 28790 Property Records

Henderson County property record for 653 Eli Capps Rd, Zirconia, NC 28790

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,632 sqft · built 1998
Lot Size1.44 acres (62,726 sqft)
OwnerIndividual Name on Record
Tax Bill$1,963 (2025)
Deeds & MortgagesFeb 2020 Mortgage
Nov 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN9554558809

Property Details

APN / Parcel Number

Primary APN9554558809
Alternative APNs
  • 00955455880955
  • 9950617

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area1,632 sqft Heated Area
1st Floor Area1,636 sqft
Basement Area1,636 sqft
Unfinished Basement1,636 sqft
Utility RoomUtility Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2003
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area62,726 sqft (1.44 acres)
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area308 sqft
Deck Area408 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number9950617
Street Address653 ELI CAPPS RD
CityZIRCONIA
StateNC
Zip28790
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code9950617~R3
Legal DescriptionSR1108 OFF ROCK CREEK RD UNLAPSLEY BU93-217
Legal SubdivisionROCK CREEK
Legal Block55
Legal Lot Number8809
JurisdictionHENDERSON NC
Township / Civil DivisionGREEN RIVER
Census Block Group2
Census Block2037
Census Tract932000

Owner

Source: Henderson County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing AddressPO BOX 676, ZIRCONIA, NC 28790-0676
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS
Nov 29, 2018Quit Claim Deed, Transfer · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateNov 9, 2018
Transfer Doc0032740700
Record UpdatedSep 20, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHENDERSON NC
Property Address653 ELI CAPPS RD, ZIRCONIA, NC 28790
Document Number0034580197
Instrument DateFeb 24, 2020
Transaction TypeMortgage
Record UpdatedMar 24, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address653 ELI CAPPS RD ZIRCONIA NC 28790, ZIRCONIA, NC 28790

Mortgage

Document Number0034580197
DateMar 2, 2020
Book Page003458/000197
Instrument920748
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2050

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHENDERSON NC
Recording DateNov 29, 2018
Property Address653 ELI CAPPS RD, ZIRCONIA, NC 28790
Document Number0032740700
Book / Page003274 / 000700
Instrument DateNov 9, 2018
Instrument894716
Transaction TypeTransfer
Record UpdatedDec 19, 2018
Title CompanyOTHER

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address653 ELI CAPPS RD ZIRCONIA NC 28790, ZIRCONIA, NC 28790

Mortgage

Document Number32740703
DateNov 29, 2018
Book Page003274/000703
Instrument894717
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 28, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHenderson County
Unified School DistrictHenderson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$369,700 (-) Land $44,400 Building $325,300
2025$1,963.00$369,700 (-) Land $44,400 Building $325,300
2023$369,700 Land $44,400 Building $325,300$369,700 Land $44,400 Building $325,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims6 (2013–2024)
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 4 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 RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Fiber		1,000 / 1,000
Starlink
Satellite		280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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