85 Lumber River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 85 Lumber River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,236 sqft · built 2007
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Sep 2025)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9652000674`

Property Details

APN / Parcel Number

Primary APN	`9652000674`
Alternative APN	`1004858`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,236 sqft Heated Area
1st Floor Area	1,044 sqft
Upper Floors Area	1,192 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,841 sqft (0.18 acres)
Garage Area	388 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1004858
Street Address	85 LUMBER RIVER RD
City	FLETCHER
State	NC
Zip	28732-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1004858~R1
Legal Description	RIVER STONE LO186 PL2006-6333
Legal Subdivision	RIVER STONE MAJ
Legal Lot Number	674
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1046
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	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 8, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Sep 18, 2025	Special Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Sep 18, 2025	Warranty Deed, Transfer
Aug 16, 2019	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on Record
Deed Sale	Sep 18, 2025 · Amount on Record
Prior Sale	Sep 18, 2025 · Amount on Record
Deed Document Number	20251037238
Deed Book / Page	4339 / 582
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0038810294
Date	Mar 10, 2022
Book Page	3881/294
Instrument	975364

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0043110471
Date	Jul 8, 2025
Book Page	4311/471
Instrument	1001033527

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	24 EXECUTIVE PARK STE 250, IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 6, 2055

Interest

Change Frequency	Monthly

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 18, 2025
Property Address	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0043390582
Book / Page	4339 / 582
Map Reference	SL 6333
Instrument Date	Sep 8, 2025
Instrument	1001037238
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2707 N 118TH ST, OMAHA, NE 68164-9672

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904

Mortgage

Document Number	1001037239
Date	Sep 18, 2025
Instrument	1001037239

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 18, 2025
Property Address	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0043390579
Book / Page	4339 / 579
Map Reference	SL 6333
Instrument Date	Aug 29, 2025
Instrument	1001037237
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Amount	Amount Recorded
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2707 N 118TH ST, OMAHA, NE 68164-9672
Investor	Possibly a Property Investor

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 16, 2019
Property Address	85 LUMBER RIVER RD, FLETCHER, NC 28732-7904
Document Number	0033740276
Book / Page	003374 / 000276
Instrument Date	Aug 13, 2019
Instrument	909202
Transaction Type	Transfer
Record Updated	Sep 3, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 LUMBER RIVER RD FLETCHER NC 287327904, FLETCHER, NC 28732-7904

Mortgage

Document Number	33740279
Date	Aug 16, 2019
Book Page	003374/000279
Instrument	909203

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

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		$462,400 (-) Land $160,000 Building $302,400
2025	$2,478.00	$462,400 (-) Land $160,000 Building $302,400
2024	$2,478.00
2023		$462,400 Land $160,000 Building $302,400	$462,400 Land $160,000 Building $302,400

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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