76 Cheraw Ln, Flat Rock, NC 28731 Property Records

Henderson County property record for 76 Cheraw Ln, Flat Rock, NC 28731

Property Summary

Property Type	Manufactured or Modular Home
Details	4 ba · 3,778 sqft · built 2009
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Apr 2026)
Tax Bill	$3,219 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`9589905639`

Property Details

APN / Parcel Number

Primary APN	`9589905639`
Alternative APN	`1000540`

Interior

Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	3,778 sqft Heated Area
1st Floor Area	2,128 sqft
Upper Floors Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	250 sqft
Deck Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1000540
Street Address	76 CHERAW LN
City	FLAT ROCK
State	NC
Zip	28731-7807
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	1000540~R2
Legal Description	CHERAW ESTATES LO2 PL2005-5477
Legal Subdivision	CHERAW ESTATES
Legal Block	90
Legal Lot Number	5639
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2034
Census Tract	930302

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	76 CHERAW LN, FLAT ROCK, NC 28731-7807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage GOPRIME MORTGAGE INC
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage GOPRIME MORTGAGE INC
May 24, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Jan 22, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 19, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Jan 16, 2014 · Amount on Record
Deed Document Number	20261048548
Deed Book / Page	4431 / 652
Prior Transfer Date	May 23, 2022
Prior Transfer Doc	0039170094
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038160285
Date	Nov 5, 2021
Book Page	3816/285
Instrument	966804

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Apr 30, 2026
Property Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807
Document Number	0001048549
Book / Page	4431 / 655
Instrument Date	Apr 29, 2026
Instrument	20261048549
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 BRIGHTWATER HEIGHTS DR, HENDERSONVILLE, NC 28791-9705

Mortgage

Document Number	0001048549,
Date	Apr 30, 2026
Book Page	4431/655
Instrument	20261048549

Lender

Name	GOPRIME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 30, 2026
Property Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807
Document Number	0001048548
Book / Page	4431 / 652
Instrument Date	Apr 24, 2026
Instrument	2026.1048548
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$106,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807

Mortgage

Document Number	0001048549,
Date	Apr 30, 2026
Instrument	2026.1048549

Lender

Name	GOPRIME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON NC
Recording Date	May 24, 2022
Property Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807
Document Number	0039170094
Book / Page	3917 / 94
Map Reference	SL 5477
Instrument Date	May 23, 2022
Instrument	980185
Transaction Type	Transfer
Record Updated	Sep 21, 2023
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
Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 22, 2020
Property Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807
Document Number	0034410578
Book / Page	003441 / 000578
Instrument Date	Jan 22, 2020
Instrument	918545
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$78.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	26 BLOOMINGDALE DR FLETCHER NC 287326539, FLETCHER, NC 28732-6539

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	76 CHERAW LN, FLAT ROCK, NC 28731-7807
Document Number	0033300065
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	May 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 CHERAW LN FLAT ROCK NC 287317807, FLAT ROCK, NC 28731-7807

Mortgage

Document Number	0033300065
Date	May 3, 2019
Book Page	003330/000065
Instrument	902904

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 2, 2059

Interest

Rate Type	Adjustable Rate

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		$563,800 (-) Land $34,600 Building $529,200
2025	$3,219.00	$563,800 (+0.07%) Land $34,600 Building $529,200
2023		$563,400 Land $34,600 Building $528,800	$563,800 Land $34,600 Building $529,200

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	5 in force
Nearby Flood Claims	1 (2024)
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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	FLETCHER ACADEMY INC private · serves 790 people · EPA ID NC0145113
Water Source	Groundwater
Last State Inspection	May 2026
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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

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