9 Rutledge Rd, Fletcher, NC 28732 Property Records

Henderson County property record for 9 Rutledge Rd, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,588 sqft · built 2007
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Feb 2024)
Tax Bill	$2,456 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Feb 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`9653224149`

Property Details

APN / Parcel Number

Primary APN	`9653224149`
Alternative APNs	`00965322414955` `9957693`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,588 sqft Heated Area
1st Floor Area	1,130 sqft
Upper Floors Area	1,130 sqft
Attic	Attic
Attic Area	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	27,443 sqft (0.63 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Deck Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	9957693
Street Address	9 RUTLEDGE RD
City	FLETCHER
State	NC
Zip	28732-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9957693~R-
Legal Description	WINDSOR FOREST LO106 PH3 PL1997-2409
Legal Subdivision	WINDSOR FOREST (3816)
Legal Phase	3
Legal Block	22
Legal Lot Number	4149
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	3
Census Block	3027
Census Tract	930600

Owner

9 Rutledge Rd is owned and occupied by two individuals who bought it in February 2024.

Source: Henderson County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HIWAY CU
Feb 8, 2024	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Jun 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK
Aug 14, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 4, 2020	Deed of Trust, Mortgage UNITED FCU
Nov 8, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2024 · Amount on File
Deed Sale	Feb 8, 2024 · Amount on File
Prior Sale	Aug 14, 2020 · Amount on File
Deed Document Number	20241010116
Deed Book / Page	4132 / 519
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349
Transaction Type	Mortgage
Record Updated	Mar 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041040396
Date	Nov 8, 2023
Book Page	4104/396
Instrument	1001006227

Lender

Name	HIWAY CU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	7 Months
Due	Jun 1, 2024

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Feb 8, 2024
Property Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349
Document Number	0041320519
Book / Page	4132 / 519
Map Reference	MB 3543 PG 453
Instrument Date	Feb 2, 2024
Instrument	1001010116
Transaction Type	Transfer
Record Updated	Mar 14, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20002 HEATH AVE, LAKEVILLE, MN 55044-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349

Mortgage

Document Number	1001010117
Date	Feb 8, 2024
Instrument	1001010117

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0041320522
Date	Feb 8, 2024
Book Page	4132/522
Instrument	1001010117

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	6 POINTE DR STE 300, BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030710603
Date	Jun 28, 2017
Book Page	3071/603

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 1, 2042

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 14, 2020
Property Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349
Document Number	0035430453
Book / Page	3543 / 453
Map Reference	SL 2538
Instrument Date	Aug 11, 2020
Instrument	931256
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 TURNPIKE RD, 610, MILLS RIVER, NC 28759-9564

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349

Mortgage

Document Number	0035430456
Date	Aug 14, 2020
Book Page	3543/456
Instrument	931257

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349
Document Number	0034870091
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5 FARM LN MILLS RIVER NC 28759, MILLS RIVER, NC 28759

Mortgage

Document Number	0034870091
Date	May 4, 2020
Book Page	003487/000091
Instrument	924265

Lender

Name	UNITED FCU
Type	Credit Union
Address	ST JOSEPH, MI 49085

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	9 RUTLEDGE RD, FLETCHER, NC 28732-9349
Document Number	0032720351
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 RUTLEDGE RD FLETCHER NC 287329349, FLETCHER, NC 28732-9349

Mortgage

Document Number	0032720351
Date	Nov 21, 2018
Book Page	003272/000351
Instrument	894374

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9 Rutledge Rd was $2,456.

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Municipality	Fletcher Town
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$569,900 Land $75,000 Building $494,900
2025	$2,456.00
2023		$543,000 Land $75,000 Building $468,000	$569,900 Land $75,000 Building $494,900

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

Flood

FEMA maps place 9 Rutledge Rd 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	14 units insured incl. 9 condo units
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 9 Rutledge Rd is low, with a 0.02% 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	0.02% 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	CITY OF ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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