985 Upward Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 985 Upward Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft · built 1967
Lot Size	4.16 acres (181,210 sqft)
Owner	Company Name on Record
Last Sale	$220,000 (Apr 2005)
Tax Bill	$2,419 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Apr 2026 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9588806579`

Property Details

APN / Parcel Number

Primary APN	`9588806579`
Alternative APNs	`0201181` `201181`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,300 sqft Heated Area
1st Floor Area	1,300 sqft
Basement Area	975 sqft
Unfinished Basement	975 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	181,210 sqft (4.16 acres)

Exterior Amenities

Porch	Porch
Porch Area	196 sqft
Deck Area	Deck Area
Patio Area	256 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	201181
Street Address	985 UPWARD RD
City	FLAT ROCK
State	NC
Zip	28731-6767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	201181~CC
Legal Description	BOUNDARY SURVEY 4.16 ACRES PL2025-16078
Legal Block	80
Legal Lot Number	6579
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1035
Census Tract	930302

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	Company Name on Record
Mailing Address	PO BOX 746, HORSE SHOE, NC 28742-0746
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Construction Mortgage TRUPOINT BANK
Apr 16, 2026	Deed of Trust, Mortgage · Construction Mortgage TRUPOINT BANK
May 6, 2024	Warranty Deed, Transfer
Feb 28, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Nov 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2005 · Amount on Record
Deed Sale	Apr 28, 2005 · Amount on Record
Deed Book / Page	1225 / 38
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Apr 16, 2026
Property Address	985 UPWARD RD, FLAT ROCK, NC 28731-6767
Document Number	0001047758
Book / Page	4425 / 376
Instrument Date	Apr 16, 2026
Instrument	20261047758
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	118 CAMELLIA WAY, HENDERSONVILLE, NC 28739-9306

Mortgage

Document Number	0001047758,
Date	Apr 16, 2026
Book Page	4425/376
Instrument	20261047758

Lender

Name	TRUPOINT BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Apr 16, 2026
Property Address	985 UPWARD RD, FLAT ROCK, NC 28731-6767
Document Number	0001047756
Book / Page	4425 / 352
Instrument Date	Apr 16, 2026
Instrument	20261047756
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	118 CAMELLIA WAY, HENDERSONVILLE, NC 28739-9306

Mortgage

Document Number	0001047756,
Date	Apr 16, 2026
Book Page	4425/352
Instrument	20261047756

Lender

Name	TRUPOINT BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 6, 2024
Property Address	985 UPWARD RD, FLAT ROCK, NC 28731-6767
Document Number	0041610180
Book / Page	4161 / 180
Instrument Date	May 3, 2024
Instrument	1001013991
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 746, HORSE SHOE, NC 28742-0746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 746, HORSE SHOE, NC 28742-0746

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Feb 28, 2019
Property Address	985 UPWARD RD, FLAT ROCK, NC 28731
Document Number	0033040222
Book / Page	003304 / 000222
Instrument Date	Jan 8, 2019
Instrument	899112
Transaction Type	Transfer
Record Updated	Mar 19, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 JACAMAR WAY HENDERSONVILLE NC 287399378, HENDERSONVILLE, NC 28739-9378

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Nov 25, 2019
Property Address	985 UPWARD RD, FLAT ROCK, NC 28731
Document Number	0034180378
Book / Page	003418 / 000378
Instrument Date	Jan 8, 2019
Instrument	915336
Transaction Type	Transfer
Record Updated	Dec 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 746 HORSE SHOE NC 287420746, HORSE SHOE, NC 28742-0746

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		$756,500 (+75.44%) Land $543,600 Building $212,900
2025	$2,419.00	$431,200 (-) Land $431,200
2024	$2,419.00
2023		$431,200 Land $431,200	$756,500 Land $543,600 Building $212,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2012 · river or lake flooding

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	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 59 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: Spectrum, Verizon.

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