Henderson County property record for 992 Thorncrest Ct, Fletcher, NC 28732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,316 sqft · built 1998 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Jan 2020) |
| Tax Bill | $1,608 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9652487664 |
| Primary APN | 9652487664 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,316 sqft Heated Area |
| 1st Floor Area | 1,316 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 24 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 9961080 |
|---|---|
| Street Address | 992 THORNCREST CT |
| City | FLETCHER |
| State | NC |
| Zip | 28732-9249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9961080~R- |
| Legal Description | #192 SOUTHCHASE SEC 7-B SE7-B PL1998-2626 |
| Legal Subdivision | SOUTHCHASE (3737) |
| Legal Block | 48 |
| Legal Lot Number | 7664 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HOOPERS CREEK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 930600 |
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 | 992 THORNCREST CT, FLETCHER, NC 28732-9249 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2020 · Amount on Record |
| Deed Sale | Jan 15, 2020 · Amount on Record |
| Deed Book / Page | 3439 / 255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 992 THORNCREST CT, FLETCHER, NC 28732-9249 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030370559 |
|---|---|
| Date | Apr 4, 2017 |
| Book Page | 3037/559 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 992 THORNCREST CT, FLETCHER, NC 28732-9249 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0036240502 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 3624/502 |
| Instrument | 941351 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Municipality | Fletcher Town |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $373,300 (-) Land $100,000 Building $273,300 | ||
| 2025 | $1,608.00 | ||
| 2023 | $373,300 Land $100,000 Building $273,300 | $373,300 Land $100,000 Building $273,300 |
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 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 27 policies |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 21 (2009–2024) |
| Claims Outside the SFHA | 9 of 21 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 | None beyond ember reach |
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 | CITY OF ASHEVILLE serves 157,431 people · EPA ID NC0111010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Oct 2024 |
|---|---|
| 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 248 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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