984 E New Hope Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 984 E New Hope Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,006 sqft · built 2019
Lot Size	1.95 acres (84,942 sqft)
Owner	2 Individuals on Record
Tax Bill	$2,195 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9578954812`

Property Details

APN / Parcel Number

Primary APN	`9578954812`
Alternative APN	`10003405`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,006 sqft Heated Area
1st Floor Area	2,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	84,942 sqft (1.95 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10003405
Street Address	984 E NEW HOPE RD
City	FLAT ROCK
State	NC
Zip	28731-4722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10003405~R
Legal Description	MINOR SUBDIVISION 1.95 AC TR1 PL2018-11431
Legal Subdivision	MINOR SUBDIVISION
Legal Tract	1
Legal Block	95
Legal Lot Number	4812
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	3
Census Block	3039
Census Tract	931000

Owner

Source: Henderson County assessment roll, 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 Individuals on Record
Mailing Address	30 E CHASIS CT, MILLS RIVER, NC 28759-4705
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 8, 2018
Transfer Doc	0032570694
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	984 E NEW HOPE RD, FLAT ROCK, NC 28731-4722
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 E NEW HOPE RD, FLAT ROCK, NC 28731-4722

Mortgage

Document Number	0040340633
Date	Apr 21, 2023
Book Page	4034/633
Instrument	1000996576

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	May 1, 2028
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Max Rate	11%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	984 E NEW HOPE RD, FLAT ROCK, NC 28731-4722
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038460278
Date	Dec 30, 2021
Book Page	3846/278
Instrument	970667

Lender

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

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	984 E NEW HOPE RD, FLAT ROCK, NC 28731-4722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035050168
Date	Jun 10, 2020
Book Page	3505/168
Instrument	926521

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$391,400 (-) Land $49,500 Building $341,900
2025	$2,195.00	$391,400 (-) Land $49,500 Building $341,900
2023		$391,400 Land $49,500 Building $341,900	$391,400 Land $49,500 Building $341,900

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	3 in force
Nearby Flood Claims	9 (1994–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims Tropical Storm Frances, Sep 2004 · 2 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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 HENDERSONVILLE serves 79,278 people · EPA ID NC0145010
Water Source	Surface water
Last State Inspection	Aug 2025
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	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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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