Henderson County property record for 5131 Howard Gap Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 986 sqft · built 1984 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $980 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9588765004 |
| Primary APN | 9588765004 |
|---|---|
| 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 | 986 sqft Heated Area |
| 1st Floor Area | 986 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Mixed |
| Garage Area | 220 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 54 sqft |
| Deck Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9901414 |
|---|---|
| Street Address | 5131 HOWARD GAP RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9901414~R2 |
| Legal Description | SR1006 ON HOWARD GAP RD |
| Legal Subdivision | DIVISION PROPERTY JOHN KUYKEND |
| Legal Block | 76 |
| Legal Lot Number | 5004 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 930302 |
5131 Howard Gap Rd is owned and occupied by an individual.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5131 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 5131 HOWARD GAP RD, FLAT ROCK, NC 28731-7721 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035690078 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 3569/78 |
| Instrument | 934434 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2030 |
The 2025 property tax bill for 5131 Howard Gap Rd was $980.
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 | $174,800 Land $25,600 Building $149,200 | ||
| 2025 | $980.00 | ||
| 2023 | $174,800 Land $25,600 Building $149,200 | $174,800 Land $25,600 Building $149,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5131 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 5131 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures