Henderson County property record for 5057 Howard Gap Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,284 sqft · built 1979 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Apr 2026) |
| Tax Bill | $1,432 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9588761345 |
| Primary APN | 9588761345 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,284 sqft Heated Area |
| 1st Floor Area | 1,092 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Area | 192 sqft |
| Porch | Patio |
|---|---|
| Porch Area | 294 sqft |
| Deck Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 202239 |
|---|---|
| Street Address | 5057 HOWARD GAP RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 202239~R2R |
| Legal Description | SR1006 ON HOWARD GAP RD |
| Legal Block | 76 |
| Legal Lot Number | 1345 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 930302 |
5057 Howard Gap Rd is owned and occupied by an individual who bought it in April 2026.
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 | Individual Name on File |
|---|---|
| Mailing Address | 5057 HOWARD GAP RD, FLAT ROCK, NC 28731-7722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · Commercial Mortgage DISCOVER BANK |
| Apr 17, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage PARK NATIONAL BANK |
| Mar 8, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on File |
| Deed Sale | Apr 17, 2026 · Amount on File |
| Prior Sale | Oct 29, 2015 · Amount on File |
| Deed Document Number | 20261047797 |
| Deed Book / Page | 4425 / 615 |
| Prior Transfer Date | Mar 8, 2022 |
| Prior Transfer Doc | 0038790475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 5057 HOWARD GAP RD, FLAT ROCK, NC 28731-7722 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0038640018 |
|---|---|
| Date | Feb 3, 2022 |
| Book Page | 3864/18 |
| Instrument | 972915 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Apr 17, 2026 |
| Property Address | 5057 HOWARD GAP RD, FLAT ROCK, NC 28731-7722 |
| Document Number | 0001047797 |
| Book / Page | 4425 / 615 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026.1047797 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63,630.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5057 HOWARD GAP RD, FLAT ROCK, NC 28731-7722 |
| Document Number | 0001047798, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026.1047798 |
| Name | PARK NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Mar 8, 2022 |
| Property Address | 5057 HOWARD GAP RD, FLAT ROCK, NC 28731-7722 |
| Document Number | 0038790475 |
| Book / Page | 3879 / 475 |
| Instrument Date | Mar 8, 2022 |
| Instrument | 975127 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5057 HOWARD GAP RD, FLAT ROCK, NC 28731-7722 |
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 | $255,400 (-) Land $25,600 Building $229,800 | ||
| 2025 | $1,432.00 | $255,400 (-) Land $25,600 Building $229,800 | |
| 2023 | $255,400 Land $25,600 Building $229,800 | $255,400 Land $25,600 Building $229,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5057 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 risk around 5057 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.
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 |
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