Henderson County property record for 5111 Howard Gap Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,319 sqft · built 1982 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $221,000 (Sep 2020) |
| Tax Bill | $1,277 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9588763139 |
| Primary APN | 9588763139 |
|---|---|
| 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 | 1,319 sqft Heated Area |
| 1st Floor Area | 1,176 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Garage Type | Carport |
| Garage Area | 239 sqft |
| Carport | Carport |
| Carport Area | 239 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Patio Area | 300 sqft |
| Canopy | 96 sqft |
| Utility Building | 192 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Account Number | 202222 |
|---|---|
| Street Address | 5111 HOWARD GAP RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 202222~R2R |
| Legal Description | SR1006 ON HOWARD GAP RD LO2 UNHUNTLEY BUH-602 |
| Legal Subdivision | JOHN KUYKENDALL PROPERTY |
| Legal Block | 76 |
| Legal Lot Number | 3139 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 5111 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2020 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI HIGHLAND RESID'L MTG LTD |
| Jan 17, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on Record |
| Deed Sale | Sep 15, 2020 · Amount on Record |
| Deed Document Number | 2020933527 |
| Deed Book / Page | 3561 / 531 |
| Prior Transfer Date | Jan 8, 2018 |
| Prior Transfer Doc | 0031530612 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Sep 15, 2020 |
| Property Address | 5111 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Document Number | 0035610531 |
| Book / Page | 3561 / 531 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 933527 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $442.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1525 KATHERINE CT, 1525, BOILING SPRINGS, SC 29316-7741 |
| Name | Verified Name |
|---|---|
| Address | 5111 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Document Number | 933528 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 933528 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 5111 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Document Number | 0034610109 |
| Instrument Date | Mar 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5111 HOWARD GAP RD FLAT ROCK NC 287317721, FLAT ROCK, NC 28731-7721 |
| Document Number | 0034610109 |
|---|---|
| Date | Mar 9, 2020 |
| Book Page | 003461/000109 |
| Instrument | 921123 |
| Name | HIGHLAND RESID'L MTG LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 8, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Jan 17, 2018 |
| Property Address | 5111 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Document Number | 0031530612 |
| Book / Page | 3153 / 612 |
| Instrument Date | Jan 8, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5111 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Document Number | 0031530614 |
|---|---|
| Date | Jan 17, 2018 |
| Book Page | 3153/614 |
| Name | ACADEMY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2048 |
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 | $227,800 (-) Land $26,800 Building $201,000 | ||
| 2025 | $1,277.00 | $227,800 (-) Land $26,800 Building $201,000 | |
| 2023 | $227,800 Land $26,800 Building $201,000 | $227,800 Land $26,800 Building $201,000 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 88 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 | 100 / 20 |
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