Henderson County property record for 806 Continental Divide Dr, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,614 sqft · built 2016 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on File |
| Last Sale | $8,000 (Feb 2016) |
| Tax Bill | $2,795 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9586493653 |
| Primary APN | 9586493653 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,614 sqft Heated Area |
| 1st Floor Area | 1,524 sqft |
| Upper Floors Area | 1,090 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 22,216 sqft (0.51 acres) |
| Garage Area | 574 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1012227 |
|---|---|
| Street Address | 806 CONTINENTAL DIVIDE DR |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-0869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1012227~R2 |
| Legal Description | DEER MEADOW LO40 PL2006-6252 |
| Legal Subdivision | DEER MEADOW |
| Legal Block | 49 |
| Legal Lot Number | 3653 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 931401 |
806 Continental Divide Dr is owned and occupied by an individual who bought it in February 2016.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 806 CONTINENTAL DIVIDE DR, FLAT ROCK, NC 28731-0869 |
| 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.
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION |
| Apr 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2016 · Amount on File |
| Deed Sale | Feb 1, 2016 · Amount on File |
| Deed Book / Page | 1649 / 572 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Apr 21, 2026 |
| Property Address | 806 CONTINENTAL DIVIDE DR, FLAT ROCK, NC 28731-0869 |
| Document Number | 0001047970 |
| Book / Page | 4427 / 248 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20261047970 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 806 CONTINENTAL DIVIDE DR, FLAT ROCK, NC 28731-0869 |
| Document Number | 0001047970, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 4427/248 |
| Instrument | 20261047970 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 25, 2036 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 806 CONTINENTAL DIVIDE DR, FLAT ROCK, NC 28731-0869 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031860570 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 3186/570 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 806 Continental Divide Dr was $2,795.
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 | $498,300 (-) Land $55,800 Building $442,500 | ||
| 2025 | $2,795.00 | $498,300 Land $55,800 Building $442,500 | |
| 2023 | $498,300 Land $55,800 Building $442,500 | $498,300 Land $55,800 Building $442,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 806 Continental Divide Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| 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 risk around 806 Continental Divide Dr 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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