5055 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 5055 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1978
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Tax Bill	$870 (2025)
Flood Zone	Zone X (minimal risk)
APN	`9588760492`

Property Details

APN / Parcel Number

Primary APN	`9588760492`
Alternative APNs	`0201531` `201531`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,092 sqft Heated Area
1st Floor Area	1,092 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Carport
Garage Area	296 sqft
Carport	Carport
Carport Area	296 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	201531
Street Address	5055 HOWARD GAP RD
City	FLAT ROCK
State	NC
Zip	28731-7722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	201531~R2R
Legal Description	SR1006 HOWARD GAP RD ON
Legal Block	76
Legal Lot Number	492
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1006
Census Tract	930302

Owner

5055 Howard Gap Rd is owned and occupied by two individuals.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5055 HOWARD GAP RD, FLAT ROCK, NC 28731-7722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 5055 Howard Gap Rd was $870.

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		$155,200 Land $28,600 Building $126,600
2025	$870.00
2023		$155,200 Land $28,600 Building $126,600	$155,200 Land $28,600 Building $126,600

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

Flood

FEMA maps place 5055 Howard Gap Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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	6 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2012 · river or lake flooding

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 5055 Howard Gap Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20