Henderson County property record for 5520 Howard Gap Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,144 sqft · built 1968 |
| Lot Size | 1.68 acres (73,181 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,304 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9588841853 |
| Primary APN | 9588841853 |
|---|---|
| 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 | 1,144 sqft Heated Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | Masonry |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 73,181 sqft (1.68 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 80 sqft |
| Patio Area | 416 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 201087 |
|---|---|
| Street Address | 5520 HOWARD GAP RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 201087~R2R |
| Legal Description | SR1006 ON HOWARD GAP RD |
| Legal Block | 84 |
| Legal Lot Number | 1853 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5520 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2011 |
| Deed Sale | Oct 19, 2011 |
| Deed Book / Page | 1476 / 434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 5520 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Document Number | 0032350260 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5520 HOWARD GAP RD FLAT ROCK NC 287317781, FLAT ROCK, NC 28731-7781 |
| Document Number | 0032350260 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 003235/000260 |
| Instrument | 888956 |
| Name | 1ST CITIZENS BK & TR |
|---|---|
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $232,100 (-0.21%) Land $46,800 Building $185,300 | ||
| 2025 | $1,304.00 | ||
| 2023 | $232,600 Land $47,300 Building $185,300 | $232,100 Land $46,800 Building $185,300 |
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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