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  5. Howard Gap Rd

5121 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 5121 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,007 sqft · built 1983
Lot Size0.41 acres (17,860 sqft)
Owner2 Individual Names on Record
Last Sale$310,000 (Aug 2024)
Tax Bill$1,437 (2025)
Deeds & MortgagesMay 2023 Line of Credit
Jul 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN9588764111

Property Details

APN / Parcel Number

Primary APN9588764111
Alternative APNs
  • 0202607
  • 202607

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area1,007 sqft Heated Area
1st Floor Area912 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2015
Architectural StyleConventional
Exterior MaterialWood Siding
Foundation TypeRaised
Roof TypeGable
Roof MaterialAsphalt
Lot Area17,860 sqft (0.41 acres)
Garage Area143 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Deck Area280 sqft
Shed1 Shed
Shed Area128 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number202607
Street Address5121 HOWARD GAP RD
CityFLAT ROCK
StateNC
Zip28731-7721
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code202607~R2R
Legal DescriptionJOHN KUYKENDALL SD LO3 UNPATTERSON BU94-03-14-A
Legal SubdivisionTHE JOHN KUYKENDALL SUBDIVISION
Legal Block76
Legal Lot Number4111
JurisdictionHENDERSON NC
Township / Civil DivisionBLUE RIDGE
Census Block Group1
Census Block1006
Census Tract930302

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 Record2 Individual Names on Record
Mailing Address5121 HOWARD GAP RD, FLAT ROCK, NC 28731-7721
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 26, 2023Deed of Trust, Mortgage · Line of Credit
LOCAL GOVERNMENT FCU
Jul 31, 2020Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 22, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 26, 2024 · Amount on Record
Deed SaleAug 26, 2024 · Amount on Record
Prior SaleAug 22, 2018 · Amount on Record
Deed Document Number20241019273
Deed Book / Page4201 / 629
Record UpdatedOct 29, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHENDERSON NC
Property Address5121 HOWARD GAP RD, FLAT ROCK, NC 28731-7721
Transaction TypeMortgage
Record UpdatedJun 16, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040480714
DateMay 26, 2023
Book Page4048/714
Instrument1000998466
Lender
NameLOCAL GOVERNMENT FCU
TypeCredit Union
AddressRALEIGH, NC 27611
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHENDERSON NC
Property Address5121 HOWARD GAP RD, FLAT ROCK, NC 28731-7721
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0035350570
DateJul 31, 2020
Book Page3535/570
Instrument930204
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHENDERSON NC
Recording DateAug 22, 2018
Property Address5121 HOWARD GAP RD, FLAT ROCK, NC 28731-7721
Document Number0032380717
Book / Page3238 / 717
Instrument DateAug 2, 2018
Transaction TypeTransfer
Record UpdatedMay 10, 2021

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5121 HOWARD GAP RD, FLAT ROCK, NC 28731-7721

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHenderson County
Unified School DistrictHenderson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$256,200 (+2.81%) Land $25,900 Building $230,300
2025$1,437.00
2023$249,200 Land $25,900 Building $223,300$256,200 Land $25,900 Building $230,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2012)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 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

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

Wildfire RiskLow
lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax Down / Up (Mbps)
Optimum
Cable		940 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
DSL		100 / 20

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