Henderson County property record for 992 Upward Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,096 sqft · built 1940 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | Individual Name on File |
| Last Sale | $17,500 (Jan 2006) |
| Tax Bill | $1,205 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9587899904 |
| Primary APN | 9587899904 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,096 sqft Heated Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 408 sqft |
| Unfinished Basement | 408 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,352 sqft (1.11 acres) |
| Porch | Slab |
| Porch Area | 60 sqft |
| Patio Area | 24 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 201112 |
|---|---|
| Street Address | 992 UPWARD RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-6767 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 201112~CC |
| Legal Description | ON UPWARD RD |
| Legal Block | 89 |
| Legal Lot Number | 9904 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 930201 |
992 Upward Rd is owned by an individual who bought it in January 2006.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 988 UPWARD RD, FLAT ROCK, NC 28731-6767 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2006 · Amount on File |
| Deed Sale | Jan 26, 2006 · Amount on File |
| Deed Book / Page | 1260 / 638 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 992 UPWARD RD, FLAT ROCK, NC 28731-6767 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030820552 |
|---|---|
| Date | Jul 24, 2017 |
| Book Page | 3082/552 |
| Name | DITECH FINANCIAL |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 992 Upward Rd was $1,205.
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $214,900 Land $145,100 Building $69,800 | ||
| 2025 | $1,205.00 | ||
| 2023 | $217,800 Land $145,100 Building $72,700 | $214,900 Land $145,100 Building $69,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 992 Upward Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 risk around 992 Upward Rd is low, with a 0.03% annual chance of 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.
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 |
| 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.
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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