4961 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 4961 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 1965
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (May 2022)
Tax Bill	$1,596 (2025)
Deeds & Mortgages	May 2022 Sale & Second Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9588573623`

Property Details

APN / Parcel Number

Primary APN	`9588573623`
Alternative APNs	`00958857362355` `9588574609` `10012707` `9903701`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,761 sqft Heated Area
1st Floor Area	1,026 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Carport
Garage Area	260 sqft
Carport	Carport
Carport Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10012707
Street Address	4961 HOWARD GAP RD
City	FLAT ROCK
State	NC
Zip	28731-7707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10012707~R
Legal Description	RECOMBINATION SURVEY 0.93 ACRES PL2024-15586
Legal Block	57
Legal Lot Number	4609
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2037
Census Tract	930302

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 Record	2 Individual Names on Record
Mailing Address	2889 SCOTTSVILLE RD, FRANKLIN, KY 42134-8201
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage FRANKLIN BANK & TRUST CO
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 16, 2019	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Deed Document Number	2022979431
Deed Book / Page	3911 / 378
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 11, 2022
Property Address	4961 HOWARD GAP RD, FLAT ROCK, NC 28731-7707
Document Number	0039110378
Book / Page	3911 / 378
Instrument Date	May 6, 2022
Instrument	979431
Transaction Type	Transfer
Record Updated	Jun 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 SHADWELL ST, 41, GREENVILLE, SC 29607-3926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2889 SCOTTSVILLE RD, FRANKLIN, KY 42134-8201

Mortgage

Document Number	0000979432
Date	May 11, 2022
Instrument	979432

Lender

Name	FRANKLIN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	May 11, 2025

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	4961 HOWARD GAP RD, FLAT ROCK, NC 28731-7707
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037360028
Date	Jun 23, 2021
Book Page	3736/28
Instrument	956421

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 16, 2019
Property Address	4961 HOWARD GAP RD, FLAT ROCK, NC 28731-7707
Document Number	0034000652
Book / Page	003400 / 000652
Instrument Date	Oct 9, 2019
Instrument	912902
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4961 HOWARD GAP RD FLAT ROCK NC 287317707, FLAT ROCK, NC 28731-7707

Mortgage

Document Number	34000655
Date	Oct 16, 2019
Book Page	003400/000655
Instrument	912903

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

Tax Assessment & Valuation

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		$284,500 (+0.07%) Land $43,500 Building $241,000
2025	$1,596.00
2023		$284,300 Land $43,300 Building $241,000	$284,500 Land $43,500 Building $241,000

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 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.

Wildfire

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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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