4917 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 4917 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,194 sqft · built 1947
Lot Size	8.75 acres (381,150 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jul 2018)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9588492299`

Property Details

APN / Parcel Number

Primary APN	`9588492299`
Alternative APN	`10003176`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,194 sqft Heated Area
1st Floor Area	1,495 sqft
Basement Area	374 sqft
Unfinished Basement	374 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	381,150 sqft (8.75 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	200 sqft
Utility Building	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10003176
Street Address	4917 HOWARD GAP RD
City	FLAT ROCK
State	NC
Zip	28731-7707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10003176~R
Legal Description	SR1006 ON HOWARD GAP RD
Legal Subdivision	BLUE RIDGE
Legal Block	49
Legal Lot Number	2299
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2037
Census Tract	930302

Owner

4917 Howard Gap Rd is owned and occupied by two individuals who bought it in July 2018.

Source: Henderson County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4917 HOWARD GAP RD, FLAT ROCK, NC 28731-7707
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage BEVERLY-HANKS MORTGAGE SERVICES INC
Feb 4, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Jul 17, 2018	Warranty Deed, Transfer · Construction Mortgage DAVID R & MARGARET M POWELL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2018 · Amount on File
Deed Sale	Jul 17, 2018 · Amount on File
Deed Book / Page	3224 / 156
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	4917 HOWARD GAP RD, FLAT ROCK, NC 28731-7707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035230387
Date	Jul 13, 2020
Book Page	3523/387
Instrument	928787

Lender

Name	BEVERLY-HANKS MORTGAGE SERVICES INC
Type	Mortgage Company
Address	ASHEVILLE, NC 28803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	4917 HOWARD GAP RD, FLAT ROCK, NC 28731-7707
Document Number	0033000227
Instrument Date	Feb 4, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4917 HOWARD GAP RD FLAT ROCK NC 287317707, FLAT ROCK, NC 28731-7707

Mortgage

Document Number	0033000227
Date	Feb 15, 2019
Book Page	003300/000227
Instrument	898499

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 17, 2018
Property Address	4917 HOWARD GAP RD, FLAT ROCK, NC 28731-7707
Document Number	0032240156
Book / Page	003224 / 000156
Instrument Date	Jul 10, 2018
Instrument	887364
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4917 HOWARD GAP RD FLAT ROCK NC 287317707, FLAT ROCK, NC 28731-7707

Mortgage

Document Number	32240160
Date	Jul 17, 2018
Book Page	003224/000160
Instrument	887365

Lender

Name	DAVID R & MARGARET M POWELL
Address	6212 SPLITROCK TRL, APEX, NC 27539-9778
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 16, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 4917 Howard Gap Rd was $2,716.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$484,200 Land $122,500 Building $361,700
2025	$2,716.00
2023		$464,900 Land $122,500 Building $342,400	$484,200 Land $122,500 Building $361,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4917 Howard Gap Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2024)
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

Wildfire risk around 4917 Howard Gap Rd is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 51% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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