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4909 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 4909 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 746 sqft · built 1891
Lot Size18.4 acres (802,375 sqft)
Owner2 Individual Names on Record
Tax Bill$1,918 (2025)
Deeds & MortgagesJan 2023 Transfer
Flood ZoneZone X (minimal risk)
APN9588498641

Property Details

APN / Parcel Number

Primary APN9588498641
Alternative APNs
  • 0200621
  • 200621

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area746 sqft Heated Area
1st Floor Area416 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1891
Effective Year BuiltEffective 1937
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialMetal
Lot Area802,375 sqft (18.4 acres)
PorchSlab
Porch Area210 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number200621
Street Address4909 HOWARD GAP RD
CityFLAT ROCK
StateNC
Zip28731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code200621~R2R
Legal DescriptionSR1006 OFF HOWARD GAP RD
Legal SubdivisionBLUE RIDGE
Legal Block49
Legal Lot Number8641
JurisdictionHENDERSON NC
Township / Civil DivisionBLUE RIDGE
Census Block Group2
Census Block2037
Census Tract930302

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 Record2 Individual Names on Record
Mailing Address861 TRACY GROVE RD, FLAT ROCK, NC 28731-9751
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJan 13, 2023
Transfer Doc0040080359
Record UpdatedSep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHENDERSON NC
Recording DateJan 30, 2023
Property Address4909 HOWARD GAP RD, FLAT ROCK, NC 28731
Document Number0040080359
Book / Page4008 / 359
Instrument DateJan 13, 2023
Instrument992850
Transaction TypeTransfer
Record UpdatedJul 17, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address861 TRACY GROVE RD, FLAT ROCK, NC 28731-9751

Transferred To (Grantee/Buyer)

NameVerified Name
Address861 TRACY GROVE RD, FLAT ROCK, NC 28731-9751

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHenderson County
Unified School DistrictHenderson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$342,000 (-) Land $219,200 Building $122,800
2025$1,918.00$342,000 (-) Land $219,200 Building $122,800
2023$342,000 Land $219,200 Building $122,800$342,000 Land $219,200 Building $122,800

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2024)
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 44% of the US · above 65% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

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 23 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Cable		940 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T.

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