Henderson County property record for 4931 Howard Gap Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,725 sqft · built 1992 |
| Lot Size | 5.94 acres (258,746 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Jul 2007) |
| Tax Bill | $2,500 (2025) |
| Deeds & Mortgages | Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9588489995 |
| Primary APN | 9588489995 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,725 sqft Heated Area |
| 1st Floor Area | 1,337 sqft |
| Basement Area | 1,003 sqft |
| Finished Basement | 1,003 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 258,746 sqft (5.94 acres) |
| Garage Type | Detached |
| Garage Area | 621 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 228 sqft |
| Deck Area | 144 sqft |
| Patio Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9971191 |
|---|---|
| Street Address | 4931 HOWARD GAP RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9971191~R2 |
| Legal Description | OTHER TR6.54A PL2002-4198 |
| Legal Subdivision | HARRY F WILLIAMS JR FAM S/D (OTH) |
| Legal Tract | 6 |
| Legal Block | 48 |
| Legal Lot Number | 9995 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 930302 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4931 HOWARD GAP RD, FLAT ROCK, NC 28731-7707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2007 · Amount on Record |
| Deed Sale | Jul 31, 2007 · Amount on Record |
| Deed Book / Page | 1328 / 445 |
| Last Transfer Date | Sep 26, 2007 |
| Transfer Doc | 0013350450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 4931 HOWARD GAP RD, FLAT ROCK, NC 28731-7707 |
| Document Number | 0031260124 |
| Book / Page | 003126 / 000124 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4931 HOWARD GAP RD FLAT ROCK NC 287317707, FLAT ROCK, NC 28731-7707 |
| Document Number | 0031260124 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | 003126/000124 |
| Instrument | 873399 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180-4907 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 6, 2057 |
| Rate Type | Adjustable Rate |
|---|
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 | $445,800 (-) Land $94,400 Building $351,400 | ||
| 2025 | $2,500.00 | $445,800 (-) Land $94,400 Building $351,400 | |
| 2023 | $445,800 Land $94,400 Building $351,400 | $445,800 Land $94,400 Building $351,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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 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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