Henderson County property record for 2149 Terrys Gap Rd, Hendersonville, NC 28792
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 12,000 sqft · built 2022 |
| Lot Size | 2.55 acres (111,078 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,711 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9681787529 |
| Primary APN | 9681787529 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 12,000 sqft Heated Area |
| 1st Floor Area | 6,000 sqft |
| Basement Area | 6,000 sqft |
| Finished Basement | 6,000 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Lot Area | 111,078 sqft (2.55 acres) |
| Porch | Slab |
| Porch Area | 400 sqft |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10007182 |
|---|---|
| Street Address | 2149 TERRYS GAP RD |
| City | HENDERSONVILLE |
| State | NC |
| Zip | 28792-0261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10007182~R |
| Legal Description | MINOR SUBDIVISION 2.55 AC LOA PL2021-13224 |
| Legal Subdivision | MINOR SUBDIVISION |
| Legal Block | 78 |
| Legal Lot Number | 7529 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 930402 |
2149 Terrys Gap Rd is owned and occupied by an individual.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2149 TERRYS GAP RD, HENDERSONVILLE, NC 28792-0261 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 21, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 2149 TERRYS GAP RD, HENDERSONVILLE, NC 28792-0261 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2149 TERRYS GAP RD, HENDERSONVILLE, NC 28792-0261 |
| Document Number | 0041450691 |
|---|---|
| Date | Mar 21, 2024 |
| Book Page | 4145/691 |
| Instrument | 1001011865 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 25279, RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 5-Year CMT |
| Max Rate | 12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 2149 TERRYS GAP RD, HENDERSONVILLE, NC 28792-0261 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2149 TERRYS GAP RD, HENDERSONVILLE, NC 28792-0261 |
| Document Number | 0040340296 |
|---|---|
| Date | Apr 20, 2023 |
| Book Page | 4034/296 |
| Instrument | 1000996509 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | May 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year TN |
| Max Rate | 11% |
The 2025 property tax bill for 2149 Terrys Gap Rd was $6,711.
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 | $1,229,300 Land $35,500 Building $1,193,800 | ||
| 2025 | $6,711.00 | ||
| 2023 | $1,229,300 Land $35,500 Building $1,193,800 | $1,229,300 Land $35,500 Building $1,193,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2149 Terrys Gap 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 | 3 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 2149 Terrys Gap Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
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