87 Black River Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 87 Black River Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,366 sqft · built 2007
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Dec 2020)
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Dec 2020 Sale Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9652001901`

Property Details

APN / Parcel Number

Primary APN	`9652001901`
Alternative APN	`1004838`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,366 sqft Heated Area
1st Floor Area	1,350 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.17 acres)
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1004838
Street Address	87 BLACK RIVER RD
City	FLETCHER
State	NC
Zip	28732-7902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1004838~R1
Legal Description	RIVER STONE LO134 SE4-A PL2006-6127
Legal Subdivision	RIVER STONE
Legal Lot Number	1901
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1012
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	87 BLACK RIVER RD, FLETCHER, NC 28732-7902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jan 19, 2018	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	2020940685
Deed Book / Page	3619 / 158
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Dec 16, 2020
Property Address	87 BLACK RIVER RD, FLETCHER, NC 28732-7902
Document Number	0036190158
Book / Page	003619 / 000158
Instrument Date	Dec 16, 2020
Instrument	940685
Transaction Type	Transfer
Record Updated	Apr 27, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$590.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	87 BLACK RIVER RD FLETCHER NC 287327902, FLETCHER, NC 28732-7902

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 19, 2018
Property Address	87 BLACK RIVER RD, FLETCHER, NC 28732-7902
Document Number	0031540492
Book / Page	3154 / 492
Instrument Date	Jan 19, 2018
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 BLACK RIVER RD, FLETCHER, NC 28732-7902

Mortgage

Document Number	0031540495
Date	Jan 19, 2018
Book Page	3154/495

Lender

Name	ACADEMY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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		$395,000 (-) Land $160,000 Building $235,000
2025	$2,117.00
2023		$395,000 Land $160,000 Building $235,000	$395,000 Land $160,000 Building $235,000

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.

Nearby Properties on Black River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures