694 Stepp Mill Rd, Hendersonville, NC 28792 Property Records

Henderson County property record for 694 Stepp Mill Rd, Hendersonville, NC 28792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,945 sqft · built 1960
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$177,500 (Sep 2021)
Tax Bill	$1,285 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9599963630`

Property Details

APN / Parcel Number

Primary APN	`9599963630`
Alternative APNs	`0201965` `201965`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,945 sqft Heated Area
1st Floor Area	825 sqft
Upper Floors Area	560 sqft
Basement Area	100 sqft
Unfinished Basement	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Carport
Garage Area	311 sqft
Carport	Carport
Carport Area	311 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	14 sqft
Deck Area	150 sqft
Patio Area	90 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	201965
Street Address	694 STEPP MILL RD
City	HENDERSONVILLE
State	NC
Zip	28792-5472
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	201965~R2R
Legal Description	SR1734 ON STEPP MILL RD
Legal Tract	3
Legal Block	96
Legal Lot Number	3630
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2009
Census Tract	930201

Owner

694 Stepp Mill Rd is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	694 STEPP MILL RD, HENDERSONVILLE, NC 28792-5472
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Deed Document Number	2021961901
Deed Book / Page	3777 / 335
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 2, 2021
Property Address	694 STEPP MILL RD, HENDERSONVILLE, NC 28792-5472
Document Number	0037770335
Book / Page	3777 / 335
Map Reference	MB 306 PG 281
Instrument Date	Aug 5, 2021
Instrument	961901
Transaction Type	Transfer
Record Updated	Jan 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2001 SOMERSET DR, 2001, HENDERSONVILLE, NC 28791-2139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7722 KESSLER DR, FORT BENNING, GA 31905-9661

Mortgage

Document Number	0000961902
Date	Sep 2, 2021
Instrument	961902

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	694 STEPP MILL RD, HENDERSONVILLE, NC 28792-5472
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032120386
Date	Jun 18, 2018
Book Page	3212/386

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	Jul 1, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 694 Stepp Mill Rd was $1,285.

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		$225,100 Land $24,100 Building $201,000
2025	$1,285.00
2023		$225,100 Land $24,100 Building $201,000	$225,100 Land $24,100 Building $201,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 694 Stepp Mill Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 694 Stepp Mill Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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