71 Lumber River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 71 Lumber River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,755 sqft · built 2007
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Jun 2007)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9652001645`

Property Details

APN / Parcel Number

Primary APN	`9652001645`
Alternative APN	`1004857`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,755 sqft Heated Area
1st Floor Area	1,525 sqft
Attic	Attic
Attic Area	230 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,841 sqft (0.18 acres)
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1004857
Street Address	71 LUMBER RIVER RD
City	FLETCHER
State	NC
Zip	28732-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1004857~R1
Legal Description	RIVER STONE SUBDIVISION LO185 PL2006-6333
Legal Subdivision	RIVER STONE SUB
Legal Lot Number	1645
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1046
Census Tract	930501

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	71 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Aug 28, 2020	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2007 · Amount on Record
Deed Sale	Jun 11, 2007 · Amount on Record
Prior Sale	Jan 31, 2007 · Amount on Record
Deed Book / Page	1321 / 728
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	71 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030810080
Date	Jul 21, 2017
Book Page	3081/80

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2027

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	71 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035520329
Date	Aug 28, 2020
Book Page	3552/329
Instrument	932315

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	71 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035180330
Date	Jul 2, 2020
Book Page	3518/330
Instrument	928111

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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		$433,200 (-) Land $160,000 Building $273,200
2025	$2,321.00
2023		$433,200 Land $160,000 Building $273,200	$433,200 Land $160,000 Building $273,200

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	9 in force
Nearby Flood Claims	4 (2018–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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