Henderson County property record for 684 Duncan Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,784 sqft · built 1986 |
| Lot Size | 3.08 acres (134,165 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,300 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 9578576187 |
| Primary APN | 9578576187 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,784 sqft Heated Area |
| 1st Floor Area | 1,856 sqft |
| Basement Area | 1,856 sqft |
| Finished Basement | 928 sqft |
| Unfinished Basement | 928 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 134,165 sqft (3.08 acres) |
| Porch | Patio |
|---|---|
| Deck Area | 220 sqft |
| Patio Area | 400 sqft |
| Gazebo | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 103644 |
|---|---|
| Street Address | 684 DUNCAN RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-4714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 103644~R1 |
| Legal Description | OFF NEW HOPE ROAD |
| Legal Block | 57 |
| Legal Lot Number | 6187 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 3 |
| Census Block | 3034 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 684 DUNCAN RD, FLAT ROCK, NC 28731-4714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
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 | $410,000 (-) Land $81,600 Building $328,400 | ||
| 2025 | $2,300.00 | ||
| 2023 | $410,000 Land $81,600 Building $328,400 | $410,000 Land $81,600 Building $328,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 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.
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 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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