Henderson County property record for 320 Howard Gap Rd, Fletcher, NC 28732
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,323 sqft · built 2014 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (May 2021) |
| Tax Bill | $2,452 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9652831634 |
| Primary APN | 9652831634 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,323 sqft Heated Area |
| 1st Floor Area | 2,092 sqft |
| Attic | Attic |
| Attic Area | 231 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 431 sqft |
| Deck Area | 192 sqft |
| Utility Building | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1015014 |
|---|---|
| Street Address | 320 HOWARD GAP RD |
| City | FLETCHER |
| State | NC |
| Zip | 28732-9503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1015014~R1 |
| Legal Description | FLETCHER PL2012-8575 |
| Legal Subdivision | SPECIAL |
| Legal Block | 83 |
| Legal Lot Number | 1634 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HOOPERS CREEK |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 930501 |
320 Howard Gap Rd is owned and occupied by two individuals who bought it in May 2021.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 HOWARD GAP RD, FLETCHER, NC 28732-9503 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on File |
| Deed Sale | May 18, 2021 · Amount on File |
| Deed Document Number | 2021953497 |
| Deed Book / Page | 3712 / 572 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 320 HOWARD GAP RD, FLETCHER, NC 28732-9503 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032120442 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 3212/442 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 320 Howard Gap Rd was $2,452.
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 | $457,500 Land $22,300 Building $435,200 | ||
| 2025 | $2,452.00 | ||
| 2023 | $457,500 Land $22,300 Building $435,200 | $457,500 Land $22,300 Building $435,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Howard 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 | 5 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 320 Howard Gap 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 | Direct burnable vegetation |
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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures