Henderson County property record for 489 Terrys Gap Rd, Fletcher, NC 28732
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,440 sqft · built 1940 |
| Lot Size | 9.89 acres (430,808 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9682168899 |
| Primary APN | 9682168899 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,440 sqft Heated Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 430,808 sqft (9.89 acres) |
| Porch | Patio |
| Porch Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10014368 |
|---|---|
| Street Address | 489 TERRYS GAP RD |
| City | FLETCHER |
| State | NC |
| Zip | 28732-9570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10014368~R |
| Legal Description | MINOR SUBDIVISION SURVEY 10.26 ACRES LO2 PL2025-16508 |
| Legal Subdivision | MINOR SUBDIVISION |
| Legal Block | 26 |
| Legal Lot Number | 1800 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HOOPERS CREEK |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 930100 |
489 Terrys Gap Rd is owned and occupied by two individuals.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 489 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 | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 489 TERRYS GAP RD, FLETCHER, NC 28732-9570 |
| Document Number | 0031960002 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2018 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 489 TERRYS GAP RD FLETCHER NC 287329570, FLETCHER, NC 28732-9570 |
| Document Number | 0031960002 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 003196/000002 |
| Instrument | 883414 |
| Name | STATE EMPS FCU/NY |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611-5279 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $343,500 Land $123,900 Building $219,600 | |
| 2023 | $367,600 Land $148,000 Building $219,600 | $343,500 Land $123,900 Building $219,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 489 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 489 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 |
4G LTE (outdoors only), no 5G reported
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