73 Black River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 73 Black River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,824 sqft · built 2007
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$313,000 (Mar 2018)
Tax Bill	$2,809 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9652001972`

Property Details

APN / Parcel Number

Primary APN	`9652001972`
Alternative APN	`1004837`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,824 sqft Heated Area
1st Floor Area	792 sqft
Upper Floors Area	792 sqft
Attic	Attic
Attic Area	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,841 sqft (0.18 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	76 sqft
Patio Area	223 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1004837
Street Address	73 BLACK RIVER RD
City	FLETCHER
State	NC
Zip	28732-7902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1004837~R1
Legal Description	RIVER STONE SUBD LO133 PL2006-6333
Legal Subdivision	RIVER STONE SUB
Legal Lot Number	1972
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1012
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	73 BLACK RIVER RD, FLETCHER, NC 28732-7902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 22, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2018 · Amount on Record
Deed Sale	Mar 22, 2018 · Amount on Record
Prior Sale	Dec 2, 2013 · Amount on Record
Deed Book / Page	3176 / 686
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	73 BLACK RIVER RD, FLETCHER, NC 28732-7902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030170461
Date	Feb 15, 2017
Book Page	3017/461

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2042

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	73 BLACK RIVER RD, FLETCHER, NC 28732-7902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034810203
Date	Apr 24, 2020
Book Page	3481/203
Instrument	923666

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Mar 22, 2018
Property Address	73 BLACK RIVER RD, FLETCHER, NC 28732-7902
Document Number	0031760686
Book / Page	3176 / 686
Instrument Date	Mar 22, 2018
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	73 BLACK RIVER RD, FLETCHER, NC 28732-7902

Mortgage

Document Number	0031760689
Date	Mar 22, 2018
Book Page	3176/689
Instrument	880662

Lender

Name	ATLANTIC BAY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

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		$524,100 (-) Land $160,000 Building $364,100
2025	$2,809.00
2023		$524,100 Land $160,000 Building $364,100	$524,100 Land $160,000 Building $364,100

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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