98 Echo Cir, Laurel Park (Hendersonville), NC 28739 Property Records

Henderson County property record for 98 Echo Cir, Laurel Park, NC 28739

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,060 sqft · built 2021
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,848 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`9558649726`

Property Details

APN / Parcel Number

Primary APN	`9558649726`
Alternative APNs	`0108284` `108284`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,060 sqft Heated Area
1st Floor Area	1,243 sqft
Basement Area	1,249 sqft
Finished Basement	574 sqft
Unfinished Basement	675 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Contemporary
Exterior Material	Wood Siding
Lot Area	37,897 sqft (0.87 acres)
Porch	Slab
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	108284
Street Address	98 ECHO CIR
City	HENDERSONVILLE
State	NC
Zip	28739-0173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	108284~R-2
Legal Description	R ECHO MOUNTAIN LO32 PL1999-3264
Legal Subdivision	ECHO MOUNTAIN SEC 1 PLAT C (0386)
Legal Block	64
Legal Lot Number	9726
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	1
Census Block	1058
Census Tract	931700

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	98 ECHO CIR, HENDERSONVILLE, NC 28739-0173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Construction Loan · Line of Credit GEORGIA BKNG
Dec 19, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Jul 30, 2020
Property Address	98 ECHO CIR, HENDERSONVILLE, NC 28739-0173
Document Number	0035340655
Book / Page	003534 / 000655
Instrument Date	Jul 29, 2020
Instrument	930101
Transaction Type	Construction Loan
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3398 LAUREL PARK HWY HENDERSONVILLE NC 287397985, HENDERSONVILLE, NC 28739-7985

Mortgage

Document Number	35340655
Date	Jul 30, 2020
Book Page	003534/000655
Instrument	930101

Lender

Name	GEORGIA BKNG
Type	Funding / Finance Company
Address	ATLANTA, GA 30339

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 29, 2021

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Dec 19, 2017
Property Address	98 ECHO CIR, HENDERSONVILLE, NC 28739-0173
Document Number	0031440255
Book / Page	003144 / 000255
Instrument Date	Dec 19, 2017
Instrument	875848
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$88.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3398 LAUREL PARK HWY HENDERSONVILLE NC 287397985, HENDERSONVILLE, NC 28739-7985

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$829,100 (-) Land $84,600 Building $744,500
2025	$6,848.00
2023		$829,100 Land $84,600 Building $744,500	$829,100 Land $84,600 Building $744,500

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
Flood Insurance Cost	Premium on Record median of 14 individual policies
Nearby Flood Policies	30 units insured incl. 16 condo units
Nearby Flood Claims	19 (2009–2024)
Claims Outside the SFHA	12 of 19
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 12 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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FLETCHER ACADEMY INC private · serves 790 people · EPA ID NC0145113
Water Source	Groundwater
Last State Inspection	May 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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