Henderson County property record for 74 Denise Dr, Flat Rock, NC 28731
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 2,016 sqft · built 1996 |
| Lot Size | 1.67 acres (72,745 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $944 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9597375774 |
| Primary APN | 9597375774 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,016 sqft Heated Area |
| 1st Floor Area | 2,016 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 72,745 sqft (1.67 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Deck Area | 128 sqft |
| Utility Building | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9949419 |
|---|---|
| Street Address | 74 DENISE DR |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-6666 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | 9949419~R2 |
| Legal Description | JOHN MCCOY LO6 PL1992-1424 |
| Legal Subdivision | MCCOY, JOHN S/S (3742) |
| Legal Block | 37 |
| Legal Lot Number | 5774 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 930201 |
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 | 74 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING |
| Jun 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 74 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 74 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Document Number | 0043440602 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 4344/602 |
| Instrument | 1001037840 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | 14511 MYFORD RD STE 100, TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 74 DENISE DR, FLAT ROCK, NC 28731-6666 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Title Company | VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0040600394 |
|---|---|
| Date | Jun 28, 2023 |
| Book Page | 4060/394 |
| Instrument | 1001000039 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
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 | $213,300 (-0.23%) Land $68,000 Building $145,300 | ||
| 2025 | $944.00 | ||
| 2023 | $213,800 Land $68,000 Building $145,800 | $213,300 Land $68,000 Building $145,300 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
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