Henderson County property record for 412 Terrys Gap Rd, Fletcher, NC 28732
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,588 sqft · built 1983 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,569 (2025) |
| Deeds & Mortgages | Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9682065889 |
| Primary APN | 9682065889 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,588 sqft Heated Area |
| 1st Floor Area | 1,588 sqft |
| Basement Area | 1,588 sqft |
| Unfinished Basement | 1,588 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Area | 604 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 344 sqft |
| Deck Area | 220 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Canopy | 312 sqft |
| Utility Building | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 700173 |
|---|---|
| Street Address | 412 TERRYS GAP RD |
| City | FLETCHER |
| State | NC |
| Zip | 28732-9570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 700173~R3 |
| Legal Description | SR1565 OFF TERRYS GAP RD PL1990-994 |
| Legal Subdivision | AIRPORT MHP (2) |
| Legal Block | 6 |
| Legal Lot Number | 5889 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HOOPERS CREEK |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 930502 |
412 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 | 412 TERRYS GAP RD, FLETCHER, NC 28732-9570 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 412 TERRYS GAP RD, FLETCHER, NC 28732-9570 |
| Document Number | 0034280595 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 412 TERRYS GAP RD FLETCHER NC 287329570, FLETCHER, NC 28732-9570 |
| Document Number | 0034280595 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 003428/000595 |
| Instrument | 916669 |
| Name | UNITED CMNTY BK |
|---|---|
| Type | Bank |
| Address | HENDERSONVILLE, NC 28792 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 17, 2044 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 412 Terrys Gap Rd was $1,569.
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 | $292,900 Land $33,000 Building $259,900 | ||
| 2025 | $1,569.00 | ||
| 2023 | $292,900 Land $33,000 Building $259,900 | $292,900 Land $33,000 Building $259,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Terrys Gap Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 7 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 412 Terrys Gap Rd is moderate, ranking above 40% of the US, with a 0.06% 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 | 0.06% 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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 25 / 5 |
No cell data coverage reported
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