Vance County property record for 985 Vanco Mill Rd, Henderson, NC 27537
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 864 sqft · built 1960 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,089 (2026) |
| Deeds & Mortgages | Mar 2007 Line of Credit Apr 2026 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0541 03004 |
| Primary APN | 0541 03004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 864 sqft Finished Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Roof Type | Gable |
| Lot Area | 65,340 sqft (1.5 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 22509 |
|---|---|
| Street Address | 985 VANCO MILL RD |
| City | HENDERSON |
| State | NC |
| Zip | 27537-7486 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR15M |
| Legal Description | 985 VANCO MILL RD 0000 00 X 00 1.500 |
| Legal Subdivision | JOSEPH FULCHER ESTATE |
| Legal Block | 03 |
| Jurisdiction | VANCE NC |
| Township / Civil Division | SANDY CREEK |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 960901 |
Source: Vance County records, as of July 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3618 NC HWY 39, HENDERSON, NC 27536 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Mar 16, 2007 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 23, 2026 | Quit Claim Deed, Transfer · Construction Mortgage FARMERS BANK |
| Apr 23, 2026 | Quit Claim Deed, Transfer · Construction Mortgage FARMERS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 22, 2026 |
| Transfer Doc | 001476/884 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VANCE NC |
| Property Address | 985 VANCO MILL RD, HENDERSON, NC 27537-7486 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01146/0458 |
|---|---|
| Date | Mar 16, 2007 |
| Book Page | 1146/0458 |
| Instrument | 2007-0001417 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Feb 6, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | VANCE NC |
| Recording Date | Apr 23, 2026 |
| Property Address | 985 VANCO MILL RD, HENDERSON, NC 27537-7486 |
| Document Number | 0000001321 |
| Book / Page | 1476 / 884 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20261321 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000001322, |
|---|---|
| Date | Apr 23, 2026 |
| Instrument | 20261322 |
| Name | FARMERS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Oct 22, 2026 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | VANCE NC |
| Recording Date | Apr 23, 2026 |
| Property Address | 985 VANCO MILL RD, HENDERSON, NC 27537-7486 |
| Document Number | 001476/884 |
| Book / Page | 1476 / 884 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20261321 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000001322, |
|---|---|
| Date | Apr 23, 2026 |
| Instrument | 20261322 |
| Name | FARMERS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Oct 22, 2026 |
| Max Rate | -1% |
|---|
Source: Vance County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Vance County |
| Unified School District | Vance County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,089.00 (-11.82%) | $135,707 (-) Land $28,215 Building $107,492 | $135,707 (-) Land $28,215 Building $107,492 |
| 2025 | $1,235.00 (+231.99%) | $135,707 (+167.09%) Land $28,215 Building $107,492 | $135,707 (+167.09%) Land $28,215 Building $107,492 |
| 2023 | $372.00 | $50,809 Land $10,700 Building $40,109 | $50,809 Land $10,700 Building $40,109 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 18, 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 | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Jun 2020 · 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.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HENDERSON-KERR LAKE REG WTR serves 14,937 people · EPA ID NC0291010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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