78 Assembly Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 78 Assembly Dr, Flat Rock, NC 28731 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	6.5 ba · 5,354 sqft · built 2006
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Sep 2025)
Tax Bill	$3,534 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`9577412940`

Property Details

APN / Parcel Number

Primary APN	`9577412940`
Alternative APNs	`0102093` `102093`

Interior

Full Baths	6.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	22 Plumbing Fixtures
Building Area	5,354 sqft Heated Area
1st Floor Area	1,747 sqft 1st Floor
Upper Floors Area	1,747 sqft Upper Floors
Basement Area	3,494 sqft Basement
Finished Basement	3,393 sqft Finished
Unfinished Basement	101 sqft Unfinished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	14,375 sqft (0.33 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Carport
Garage Area	480 sqft Garage
Carport	Carport
Carport Area	480 sqft Carport

Exterior Amenities

Balcony Area	116 sqft Balcony
Deck Area	42 sqft Deck
Patio Area	88 sqft Patio
Porch	Slab
Porch Area	926 sqft Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	102093
Street Address	78 ASSEMBLY DR
City	FLAT ROCK
State	NC
Zip	28731-9534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLAT ROCK,1LOT #48 LO48
Legal Subdivision	BONCLARKEN (1757)
Legal Block	41
Legal Lot Number	2940
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	3
Census Block	3040
Census Tract	931500

Owner

Source: Henderson County records · APN 9577412940

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	78 ASSEMBLY DR, FLAT ROCK, NC 28731-9534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Deed Document Number	20251037727
Deed Book / Page	4343 / 601
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 26, 2025
Property Address	78 ASSEMBLY DR, FLAT ROCK, NC 28731
Document Number	0043430601
Book / Page	4343 / 601
Map Reference	MB 9 PG 54
Instrument Date	Sep 16, 2025
Instrument	1001037727
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 CAROLINA VILLAGE RD APT 308, 308, HENDERSONVILLE, NC 28792-3028

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 ASSEMBLY DR, FLAT ROCK, NC 28731

Mortgage

Document Number	1001037728
Date	Sep 26, 2025
Instrument	1001037728

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 03, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 03, 2028
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	7.99%
Index	1-Year CMT
Max Rate	10.9%

Tax Assessment & Valuation

Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Municipality	Flat Rock Village
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$901,900 (+9.97%) Land $83,800 Building $818,100
2025	$3,534.00 (-19.32%)	$820,100 (-19.31%) Land $83,800 Building $736,300
2024	$4,380.00
2023		$1,016,300 Land $83,800 Building $932,500	$901,900 Land $83,800 Building $818,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Henderson County (37089C), updated October 12, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Flat Rock Historic District (Boundary Increase, Decrease and Additional Documentation) listed 2015 · 27 contributing resources · NRIS 14001176

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.