1902 Howard Gap Rd, Hendersonville, NC 28792 Property Records

Henderson County property record for 1902 Howard Gap Rd, Hendersonville, NC 28792

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,606 sqft · built 2020
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Jul 2021)
Tax Bill	$2,245 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9661503090`

Property Details

APN / Parcel Number

Primary APN	`9661503090`
Alternative APN	`10005697`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,606 sqft Heated Area
1st Floor Area	1,708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	20,473 sqft (0.47 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10005697
Street Address	1902 HOWARD GAP RD
City	HENDERSONVILLE
State	NC
Zip	28792-7049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10005697~R
Legal Description	TWIN OAKS NON STANDARD SUBDIVISION LO6-A PL2021-13162
Legal Subdivision	NON STANDARD SUBDIVISION
Legal Block	50
Legal Lot Number	3090
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	2
Census Block	2015
Census Tract	930501

Owner

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	1902 HOWARD GAP RD, HENDERSONVILLE, NC 28792-7049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Deed Document Number	2021958466
Deed Book / Page	3750 / 484
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 19, 2021
Property Address	1902 HOWARD GAP RD, HENDERSONVILLE, NC 28792-7049
Document Number	0037500484
Book / Page	3750 / 484
Map Reference	SL 13162
Instrument Date	Jul 16, 2021
Instrument	958466
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1090, MOUNTAIN HOME, NC 28758-1090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 HOWARD GAP RD, HENDERSONVILLE, NC 28792-7049

Mortgage

Document Number	0000958467
Date	Jul 19, 2021
Instrument	958467

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$411,300 (+0.86%) Land $31,700 Building $379,600
2025	$2,245.00
2023		$407,800 Land $31,700 Building $376,100	$411,300 Land $31,700 Building $379,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 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