749 Summerfield Pl, Flat Rock, NC 28731 Property Records

Henderson County property record for 749 Summerfield Pl, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,860 sqft · built 2021
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jan 2024)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9588639372`

Property Details

APN / Parcel Number

Primary APN	`9588639372`
Alternative APN	`10005984`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,860 sqft Heated Area
1st Floor Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	3,049 sqft (0.07 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	137 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10005984
Street Address	749 SUMMERFIELD PL
City	FLAT ROCK
State	NC
Zip	28731-1090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10005984~R
Legal Description	THE ORCHARDS OF FLAT ROCK LO47 PL2020-12622
Legal Subdivision	ORCHARDS OF FLAT ROCK SUBDIVISION
Legal Block	63
Legal Lot Number	9372
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1012
Census Tract	930302

Owner

749 Summerfield Pl is owned and occupied by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	749 SUMMERFIELD PL, FLAT ROCK, NC 28731-1090
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
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Jan 22, 2024	Warranty Deed, Transfer
Feb 11, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Jun 8, 2021	Special Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2024 · Amount on File
Deed Sale	Jan 22, 2024 · Amount on File
Deed Document Number	20241009348
Deed Book / Page	4127 / 429
Prior Transfer Date	Feb 10, 2022
Prior Transfer Doc	0038670418
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	749 SUMMERFIELD PL, FLAT ROCK, NC 28731-1090
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037750118
Date	Aug 31, 2021
Book Page	3775/118
Instrument	961660

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.58%
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.58%
Index	1-Year CMT
Margin	3
Max Rate	7.58%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 22, 2024
Property Address	749 SUMMERFIELD PL, FLAT ROCK, NC 28731-1090
Document Number	0041270429
Book / Page	4127 / 429
Map Reference	PL SL 12622
Instrument Date	Jan 15, 2024
Instrument	1001009348
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	64 LOAFER LN, WAYNESVILLE, NC 28785-8327

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON NC
Recording Date	Feb 11, 2022
Property Address	749 SUMMERFIELD PL, FLAT ROCK, NC 28731-1090
Document Number	0038670418
Book / Page	3867 / 418
Map Reference	SL 12622
Instrument Date	Feb 10, 2022
Instrument	973403
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	749 SUMMERFIELD PL, FLAT ROCK, NC 28731-1090

June 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jun 8, 2021
Property Address	749 SUMMERFIELD PL, FLAT ROCK, NC 28731-1090
Document Number	0037260381
Book / Page	3726 / 381
Map Reference	SL 12622
Instrument Date	Jun 8, 2021
Instrument	955230
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8001 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	749 SUMMERSIDE DRIVE, FLAT ROCK, NC 28731

Tax Assessment & Valuation

The 2025 property tax bill for 749 Summerfield Pl was $2,488.

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		$443,600 (-) Land $50,000 Building $393,600
2025	$2,488.00	$443,600 Land $50,000 Building $393,600
2023		$443,600 Land $50,000 Building $393,600	$443,600 Land $50,000 Building $393,600

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

Flood

FEMA maps place 749 Summerfield Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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	6 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2012 · river or lake flooding

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 749 Summerfield Pl is low, with a 0.03% annual chance of 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	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HENDERSONVILLE serves 79,278 people · EPA ID NC0145010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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