74 Lumber River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 74 Lumber River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,005 sqft · built 2007
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,000 (Jun 2020)
Tax Bill	$2,569 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9652001810`

Property Details

APN / Parcel Number

Primary APN	`9652001810`
Alternative APN	`1004847`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,005 sqft Heated Area
1st Floor Area	1,044 sqft
Upper Floors Area	961 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.17 acres)
Garage Area	388 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1004847
Street Address	74 LUMBER RIVER RD
City	FLETCHER
State	NC
Zip	28732-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1004847~R1
Legal Description	RIVER STONE LO175 PL2006-6333
Legal Subdivision	RIVERSTONE MDWS
Legal Lot Number	1810
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	74 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage GEO-CORP
Mar 8, 2018	Warranty Deed, Transfer · Conventional with PMI PNC BK/NJ

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Prior Sale	Mar 8, 2018 · Amount on Record
Deed Document Number	2020927949
Deed Book / Page	3517 / 146
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jun 30, 2020
Property Address	74 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0035170146
Book / Page	003517 / 000146
Instrument Date	Jun 20, 2020
Instrument	927949
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$654.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	74 LUMBER RIVER RD FLETCHER NC 287327904, FLETCHER, NC 28732-7904

Mortgage

Document Number	35170149
Date	Jun 30, 2020
Book Page	003517/000149
Instrument	927950

Lender

Name	GEO-CORP
Address	MONTEREY PARK, CA 91754

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Mar 8, 2018
Property Address	74 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0031710637
Book / Page	003171 / 000637
Instrument Date	Mar 8, 2018
Instrument	879923
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$579.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	74 LUMBER RIVER RD FLETCHER NC 287327904, FLETCHER, NC 28732-7904

Mortgage

Document Number	31710640
Date	Mar 8, 2018
Book Page	003171/000640
Instrument	879924

Lender

Name	PNC BK/NJ
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 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		$479,400 (-) Land $160,000 Building $319,400
2025	$2,569.00
2023		$479,400 Land $160,000 Building $319,400	$479,400 Land $160,000 Building $319,400

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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