1416 Howard Gap Loop Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 1416 Howard Gap Loop Rd, Flat Rock, NC 28731 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Architecture Style	Conventional
Year Built	Built 2008
Square Footage	1,484 sqft Heated Area
Lot Size	31,799 sqft (0.73 acres)
Garage	252 sqft
Last Sale	$422,000 (2025)
Tax Bill	$907.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`9587874031`
Alternative APN	`1007526`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,484 sqft Heated Area
1st Floor	1,484 sqft 1st Floor
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Architectural Style	Conventional Style
Exterior Material	Wood Siding Exterior
Foundation Type	No Foundation Foundation
Lot Area	31,799 sqft (0.73 acres)
Parking Spaces	1 Parking Spaces
Garage Area	252 sqft Garage
Deck Area	160 sqft Deck
Canopy Area	96 sqft Canopy
Utility Building	520 sqft Utility Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	1007526
Street Address	1416 HOWARD GAP LOOP RD
City	FLAT ROCK
State	NC
Zip	28731-6613
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BURGESS & WINDYWOOD LO1 PL2007-6697
Legal Tract	1
Legal Block	87
Legal Lot Number	4031
Jurisdiction	HENDERSON NC
Minor Civil Division	BLUE RIDGE
Census Blockgroup	1
Census Block	1025
Census Tract	930201

Owner

Source: Henderson County records · APN 9587874031

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	1416 HOWARD GAP RD, FLAT ROCK, NC 28731
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Jul 29, 2024 · Amount on Record
Deed Doc Number	20251042566
Deed Book / Page	4382 / 565
Record Refreshed	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Dec 30, 2025
Property Address	1416 HOWARD GAP LOOP RD, FLAT ROCK, NC 28731-6613
Document Number	0043820565
Book / Page	4382 / 565
Map Reference	SL 6697
Instrument Date	Dec 22, 2025
Instrument	1001042566
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$844.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 FORSYTHIA HEDGE DR, FLETCHER, NC 28732-7607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 HOWARD GAP LOOP RD, FLAT ROCK, NC 28731-6613

Mortgage

Document Number	1001042567
Date	Dec 30, 2025
Instrument	1001042567

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$319,900 (+97.71%) Land $50,000 Building $269,900
2025	$907.00 (-40.29%)	$161,800 (-39.1%) Land $50,000 Building $111,800
2024	$1,519.00
2023		$265,700 Land $50,000 Building $215,700	$319,900 Land $50,000 Building $269,900

Flood & Wildfire

1416 Howard Gap Loop Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Henderson County (37089C), updated October 12, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 40th percentile of exposed land nationally · 58th in North Carolina
Wildfire Likelihood	Moderate — about 1 in 1,724 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.