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Henderson County, North Carolina Court Filings Intelligence

Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Henderson County court dockets. Updated 2026-08-03. See methodology.

Investor takeaway

About Henderson County

Henderson County is a county located in the U.S. state of North Carolina. As of the 2020 census, the population was 116,281. Its county seat is Hendersonville. Henderson County is part of the Asheville, NC Metropolitan Statistical Area.

Source: Wikipedia

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At a glance

1735 verified property-related court filings tracked across 39 months (Sep 2020 to Jul 2026).

41 typical monthly filing volume.

0% of filings involve owners whose mailing address differs from the property address (2 of 1735 filings).

$307,300 median estimated property value across the 407 filings with property-enrichment data (23% coverage).

3.5% North Carolina unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.

Filing type breakdown

Filing typeFilingsShare
Other 1358 78.3%
Divorce 249 14.4%
Probate 62 3.6%
Pre-Foreclosure 51 2.9%
Tax Sale 15 0.9%

Each row is a distinct case verified for current owner-of-record before inclusion.

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Monthly filing activity

MonthFilingsvs prior
Sep 2020 2
Oct 2020 3 +1
Nov 2020 6 +3
Dec 2020 2 -4
Jan 2021 2 0
Feb 2022 9 +7
Mar 2022 2 -7
Apr 2022 2 0
May 2022 1 -1
Jun 2022 1 0
Jul 2022 2 +1
Aug 2022 2 0
Sep 2022 2 0
Oct 2022 4 +2
Nov 2022 3 -1
Dec 2022 3 0
Jan 2023 1 -2
Feb 2023 5 +4
Mar 2023 4 -1
Apr 2023 3 -1
May 2023 4 +1
Jun 2023 5 +1
Jul 2023 3 -2
Aug 2023 2 -1
Sep 2023 2 0
Jan 2025 1 -1
Jul 2025 38 +37
Aug 2025 151 +113
Sep 2025 112 -39
Oct 2025 144 +32
Nov 2025 89 -55
Dec 2025 135 +46
Jan 2026 149 +14
Feb 2026 117 -32
Mar 2026 130 +13
Apr 2026 144 +14
May 2026 143 -1
Jun 2026 147 +4
Jul 2026 158 +11

Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.

Geographic concentration by ZIP

Top 6 ZIPs in Henderson County account for 0.3% of all tracked filings, showing where distressed real estate activity clusters.

ZIPCityFilingsShare
28791 1 0.1%
28739 1 0.1%
28759 1 0.1%
28729 Etowah 1 0.1%
28792 Hickory Acres Rd. Hendersonville 1 0.1%
28731 1 0.1%

Based on filings with a parseable property address (0% of Henderson County filings).

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Property value distribution

Estimated valueFilingsShare
Under $75k 18 4.4%
$75k - $150k 29 7.1%
$150k - $250k 95 23.3%
$250k - $400k 144 35.4%
$400k+ 121 29.7%

Source: third-party property enrichment (23% coverage on Henderson County filings). Median $307,300; mean $340,543.

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Day-of-week filing pattern

DayFilingsShare
Sun 132 7.6%
Mon 426 24.6%
Tue 293 16.9%
Wed 395 22.8%
Thu 388 22.4%
Fri 98 5.7%
Sat 1 0.1%

Filings show some weekend activity, suggesting after-hours electronic filing. Computed for 1733 filings with a parseable date.

Housing stock + distress signals

Underlying housing stock and distress indicators across all 57338 Henderson County housing units, from US Census ACS 5-year data. National reference values shown for context.

Indicator Henderson County US average
Vacancy rate (incl. seasonal + for-sale)12.1%10.5%
Share of owner-occupied units carrying a mortgage55.2%60.8%
Pre-1940 housing stock4.7%12.3%
Single-family detached share of housing stock69.4%61.2%
Residents age 65 or older26.0%17.3%

Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.

Rent benchmark (HUD Fair Market Rent)

HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Henderson County sits within the Asheville, NC. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.

Unit size Fair market rent / month
Efficiency / studio$1,436
1-bedroom$1,674
2-bedroom$1,835
3-bedroom$2,231
4-bedroom$3,078

Source: US Department of Housing and Urban Development, Fair Market Rents (None). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.

New construction (market momentum)

Annual building permits filed in Henderson County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.

Indicator Value
Total housing units permitted (2025)1,093
Year-over-year change (2024 → 2025)-32.1%
Single-family share of permits (2025)62.8%
Single-family units permitted686
Multifamily units permitted (2+ units per building)407

Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.

Macro context: state home prices and national delinquency

Henderson County filings should be read against the broader housing-market backdrop. North Carolina state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.

IndicatorValuePeriod
North Carolina home price index (year-over-year)+2.4%2026-01-01
North Carolina home price index (cumulative since 2020)+72.0%2026-01-01
National mortgage delinquency rate (30+ day, single-family)1.89%2026-01-01

Sources: Federal Housing Finance Agency state house price indices (FRED series NCSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.

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Filing velocity by case type

How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.

Case type Total Share Trend
Lien 1142 65.8% +16.5%
Divorce 249 14.4% +4.5%
Eviction 171 9.9% +2.4%
Probate 62 3.6% -58.3%
Pre-Foreclosure 49 2.8% +114.3%
Other 20 1.2% -40.0%
Tax Sale 15 0.9% --
Personal Property 10 0.6% +0.0%
Contract 9 0.5% -66.7%
Negligence 6 0.3% --

Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.

Seasonal filing patterns

Court filings peak in Aug and are lowest in Sep. The 1.8x peak-to-trough ratio suggests strong seasonal patterns — investors who time their outreach around Aug can reach more distressed homeowners.

Month Avg filings Relative
Jan 38.2
74%
Feb 43.7
85%
Mar 45.3
88%
Apr 49.7
96%
May 49.3
95%
Jun 51
99%
Jul 50.2
97%
Aug 51.7
100%
Sep 29.5
57%
Oct 50.3
97%
Nov 32.7
63%
Dec 46.7
90%

Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Aug), with a 1.8x peak-to-trough ratio.

ZIP code distress hotspots

Distress is geographically dispersed across 6 ZIP codes, with no single area dominating.

ZIP Area Filings Share Median value
28791 1 0.1% $223,500
28739 1 0.1% $253,300
28759 1 0.1% $296,400
28729 Etowah 1 0.1% $420,000
28792 Hickory Acres Rd. Hendersonville 1 0.1% --
28731 1 0.1% $75,290

Top 6 of 6 ZIP codes with filings.

Non-resident owner analysis

Most filings (100%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.

0.1%
Non-resident owners
Case type Total filings Non-resident %
Lien 1142 0.0%
Divorce 249 0.0%
Eviction 171 0.0%
Probate 62 0.0%
Pre-Foreclosure 51 3.9%
Other 20 0.0%
Tax Sale 15 0.0%
Personal Property 10 0.0%
Contract 9 0.0%
Negligence 6 0.0%

Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.

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Distress composition and shifts

The distress mix is stable across all case types.

Case type Recent share Earlier share Shift
Lien 66.9% 65.7% +1.2pp
Divorce 16.1% 14.0% +2.1pp
Eviction 10.2% 9.8% +0.4pp
Pre-Foreclosure 3.9% 2.6% +1.3pp
Personal Property 1.3% 0.4% +0.9pp
Negligence 1.0% 0.2% +0.8pp
Contract 0.3% 0.6% -0.3pp
Other 0.3% 1.3% -1.0pp
Probate 0.0% 4.3% -4.3pp
Tax Sale 0.0% 1.1% -1.1pp

Distress diversity score: 1.53 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.

Property Value Profile

The median assessed value of properties in court filings is $306,200. Eviction filings involve the highest-value properties (median $437,900), while Probate filings trend lower (median $218,800). The largest segment (50.2%) falls in the $250K - $500K range.

$306,200
Median assessed value
$336,590
Average assessed value
412
Properties with values
Value range Properties Share
Under $100K 32 7.8%
$100K - $250K 115 27.9%
$250K - $500K 207 50.2%
$500K - $1M 51 12.4%
Over $1M 7 1.7%
Value breakdown by case type
Case type Median value Avg value Properties
Lien $307,300 $343,272 301
Divorce $321,400 $325,427 64
Pre-Foreclosure $261,700 $316,142 19
Eviction $437,900 $379,700 9
Probate $218,800 $305,386 7
Other $284,900 $325,280 5

Based on county assessor records for 412 properties with court filings (23.7% of total filings). Values are tax-assessed amounts, not market listing prices.

Distress Capital Analysis

$138,675,190 in assessed property value is currently tied up in 412 court-filed properties. Lien filings represent the largest capital pool ($103,324,900 across 301 properties).

$139M
Total Value at Risk
412
Properties Valued
$306,200
Median Value

Capital at Risk by Filing Type

Filing Type Total Value Properties Avg Value High Equity %
Lien
$103,324,900
301 $343,272 --
Divorce
$20,827,300
64 $325,427 --
Pre-Foreclosure
$6,006,690
19 $316,142 --
Eviction
$3,417,300
9 $379,700 --
Probate
$2,137,700
7 $305,386 --
Other
$1,626,400
5 $325,280 --
Tax Sale
$372,100
4 $93,025 --

Based on 412 properties with assessor valuations (23.7% of 1735 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.

Market Absorption & Turnover Analysis

1,732 court filings tracked with 0 resolved (0.0% absorption rate). The court system is accumulating cases faster than they resolve, creating a growing backlog of 1,732 active cases.

0.0%
Absorption Rate
1,732
Active Case Backlog
Month New Filings Resolved Net Inflow Absorption
Sep 2020 2 0 +2
0.0%
Oct 2020 3 0 +3
0.0%
Nov 2020 6 0 +6
0.0%
Dec 2020 2 0 +2
0.0%
Jan 2021 2 0 +2
0.0%
Feb 2022 9 0 +9
0.0%
Mar 2022 2 0 +2
0.0%
Apr 2022 2 0 +2
0.0%
May 2022 1 0 +1
0.0%
Jun 2022 1 0 +1
0.0%
Jul 2022 2 0 +2
0.0%
Aug 2022 2 0 +2
0.0%
Sep 2022 2 0 +2
0.0%
Oct 2022 4 0 +4
0.0%
Nov 2022 3 0 +3
0.0%
Dec 2022 3 0 +3
0.0%
Jan 2023 1 0 +1
0.0%
Feb 2023 5 0 +5
0.0%
Mar 2023 4 0 +4
0.0%
Apr 2023 3 0 +3
0.0%
May 2023 3 0 +3
0.0%
Jun 2023 5 0 +5
0.0%
Jul 2023 3 0 +3
0.0%
Aug 2023 2 0 +2
0.0%
Sep 2023 2 0 +2
0.0%
Jan 2025 1 0 +1
0.0%
Jul 2025 38 0 +38
0.0%
Aug 2025 151 0 +151
0.0%
Sep 2025 112 0 +112
0.0%
Oct 2025 144 0 +144
0.0%
Nov 2025 89 0 +89
0.0%
Dec 2025 135 0 +135
0.0%
Jan 2026 149 0 +149
0.0%
Feb 2026 117 0 +117
0.0%
Mar 2026 130 0 +130
0.0%
Apr 2026 144 0 +144
0.0%
May 2026 143 0 +143
0.0%
Jun 2026 147 0 +147
0.0%
Jul 2026 158 0 +158
0.0%

Resolution by Case Type

Case Type Filed Resolved Absorption Avg Days
Lien 1134 0 0.0% n/a
Divorce 247 0 0.0% n/a
Eviction 161 0 0.0% n/a
Probate 61 0 0.0% n/a
Pre-Foreclosure 48 0 0.0% n/a
Other 42 0 0.0% n/a
Tax Sale 15 0 0.0% n/a
Personal Property 10 0 0.0% n/a
Contract 8 0 0.0% n/a
Negligence 6 0 0.0% n/a

Absorption rate measures the percentage of filed cases that have reached a terminal resolution (judgment, dismissal, settlement, or sale). A low absorption rate indicates a growing backlog of active cases in the court system. Resolution timing based on 0 resolved cases out of 1732 total filings.

Case Aging & Stall Analysis

116 cases (6.7%) have been active for over a year without resolution. 141 filings in the last <30 days represent fresh opportunities.

116
Cases stalled 1yr+
6.7%
of all filings
1,732
Total tracked
Age Total Resolved Still active Resolution rate
<30 days 141 0 141 0.0%
30-90 days 287 0 287 0.0%
3-6 months 401 0 401 0.0%
6-12 months 787 0 787 0.0%
1-2 years 42 0 42 0.0%
2+ years 74 0 74 0.0%
Resolution speed by case type
Case type Total Resolved Rate Median days
Lien 1,134 0 0.0%
Divorce 247 0 0.0%
Eviction 161 0 0.0%
Probate 61 0 0.0%
Pre-Foreclosure 48 0 0.0%
Other 20 0 0.0%
Tax Sale 15 0 0.0%
Personal Property 10 0 0.0%

Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.

Property Value Distribution

The median property value in distressed filings is $305,700, with the largest concentration (37.1%) in the $300K–$500K range. Divorce filings have the highest median value ($315,100) while Pre-Foreclosure filings are lowest ($278,400).

$305,700
Median value
$333,875
Average value
415
Properties valued
Price range Count Share Distribution
Under $50K 15 3.6%
$50K–$100K 20 4.8%
$100K–$150K 20 4.8%
$150K–$200K 44 10.6%
$200K–$300K 104 25.1%
$300K–$500K 154 37.1%
$500K+ 58 14.0%
Value by case type
Case type Median value Average value Properties
Lien $307,300 $341,024 303
Divorce $315,100 $325,426 64
Pre-Foreclosure $278,400 $332,800 19

Assessed property values from county assessor records for 415 properties (23.9% of total filings). Values reflect tax-assessed amounts, not market price.

Repeat litigation patterns in Henderson County

Of 1,523 unique property owners in court filings, 117 (7.7%) appear in multiple cases, including 30 with 3 or more filings. The most active repeat filer has 10 cases spanning 10 months. Lien cases have the highest repeat rate at 10.4%.

1,523
Unique owners
117
Repeat filers (2+ cases)
7.7%
Repeat rate
30
Serial filers (3+ cases)

Repeat rate by case type

Case type Repeat owners Total owners Repeat rate
Lien 102 982 10.4%
Divorce 2 247 0.8%
Eviction 13 130 10.0%
Other 3 32 9.4%

Analysis based on 1,523 unique owner names across court filings. Repeat filers are property owners appearing in 2 or more distinct cases.

Serial distressed properties in Henderson County

Of 301 unique properties in court filings, 38 (12.6%) have multiple filings (averaging 2.4 filings per property). Average time between repeat filings: 4 months. Lien properties have the highest repeat rate at 16.8%.

301
Unique properties
38
Repeat-filing properties
12.6%
Serial distress rate
4 mo
Avg time between filings

Serial distress rate by case type

Case type Serial properties Total properties Serial rate
Lien 37 220 16.8%
Pre-Foreclosure 3 18 16.7%

Analysis based on 301 unique property addresses across court filings. Serial distressed properties have 2 or more distinct case filings at the same address.

Methodology and data sources

Related North Carolina guides

North Carolina foreclosure process How to find leads in North Carolina Top foreclosure counties in North Carolina North Carolina statewide analysis

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Cite: Keystone Court Data, "Henderson County North Carolina Court Filings Intelligence," 2026-08-03, https://keystonecourtdata.com/reports/henderson-nc-court-filings-intelligence · Download data (CSV)