976 Middle Fork Rd, Hendersonville, NC 28792 Property Records

Henderson County property record for 976 Middle Fork Rd, Hendersonville, NC 28792

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,536 sqft · built 2008
Lot Size	2.29 acres (99,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$439,000 (Sep 2022)
Deeds & Mortgages	Sep 2022 Sale Apr 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`614524285`

Property Details

APN / Parcel Number

Primary APN	`614524285`
Alternative APNs	`614525360` `10014627` `0501419` `501419`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,536 sqft Heated Area
Upper Floors Area	512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	99,752 sqft (2.29 acres)
Porch	Slab
Porch Area	224 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10014627
Street Address	976 MIDDLE FORK RD
City	HENDERSONVILLE
State	NC
Zip	28792-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10014627~R
Legal Description	SR1605 ON MIDDLE FORK RD
Legal Block	52
Legal Lot Number	5360
Jurisdiction	HENDERSON NC
Township / Civil Division	EDNEYVILLE
Census Block Group	1
Census Block	1067
Census Tract	930100

Owner

Source: Henderson County records, as of July 16, 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	1324 OAKLAND ST, HENDERSONVILLE, NC 28792-2540
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Warranty Deed, Transfer
Apr 24, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Jan 2, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Feb 6, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Mar 29, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Deed Document Number	2022986664
Deed Book / Page	3963 / 455
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 16, 2022
Property Address	976 MIDDLE FORK RD, HENDERSONVILLE, NC 28792-1027
Document Number	0039630455
Book / Page	3963 / 455
Instrument Date	Aug 30, 2022
Instrument	986664
Transaction Type	Transfer
Record Updated	Oct 10, 2022

Transaction

Amount	Amount Recorded
Tax	$878.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3611 SUMMERWIND CIR, 3611, BRADENTON, FL 34209-5807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 MIDDLE FORK RD, HENDERSONVILLE, NC 28792-1027

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 24, 2020
Property Address	976 MIDDLE FORK RD, HENDERSONVILLE, NC 28792-1027
Document Number	0034810517
Book / Page	003481 / 000517
Instrument Date	Mar 30, 2020
Instrument	923714
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$619.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	976 MIDDLE FORK RD HENDERSONVILLE NC 287921027, HENDERSONVILLE, NC 28792-1027

Mortgage

Document Number	34810520
Date	Apr 24, 2020
Book Page	003481/000520
Instrument	923715

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	976 MIDDLE FORK RD, HENDERSONVILLE, NC 28792-1027
Document Number	0034360222
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 MIDDLE FORK RD HENDERSONVILLE NC 287921027, HENDERSONVILLE, NC 28792-1027

Mortgage

Document Number	0034360222
Date	Jan 8, 2020
Book Page	003436/000222
Instrument	917720

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	976 MIDDLE FORK RD, HENDERSONVILLE, NC 28792-1027
Document Number	0033000539
Instrument Date	Feb 6, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 MIDDLE FORK RD HENDERSONVILLE NC 287921027, HENDERSONVILLE, NC 28792-1027

Mortgage

Document Number	0033000539
Date	Feb 18, 2019
Book Page	003300/000539
Instrument	898563

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Mar 29, 2018
Property Address	976 MIDDLE FORK RD, HENDERSONVILLE, NC 28792-1027
Document Number	0031800429
Book / Page	003180 / 000429
Instrument Date	Mar 29, 2018
Instrument	881163
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 MIDDLE FORK RD HENDERSONVILLE NC 287921027, HENDERSONVILLE, NC 28792-1027

Mortgage

Document Number	31800432
Date	Mar 29, 2018
Book Page	003180/000432
Instrument	881164

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 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	Assessed Value	Assessed Market Value
2026	$337,700 (-13.52%) Land $31,700 Building $306,000
2023	$390,500 Land $84,500 Building $306,000	$337,700 Land $31,700 Building $306,000

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	8 in force
Nearby Flood Claims	12 (1978–2024)
Claims Outside the SFHA	6 of 12
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 9 claims

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	Moderate above 51% of the US · above 72% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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