Henderson County property record for 5540 Howard Gap Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,409 sqft · built 1980 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $412,000 (Jan 2025) |
| Deeds & Mortgages | Jun 2020 Line of Credit Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9588842608 |
| Primary APN | 9588842608 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,409 sqft Heated Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 84 sqft |
| Deck Area | 348 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10014015 |
|---|---|
| Street Address | 5540 HOWARD GAP RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10014015~R |
| Legal Description | MINOR SUBDIVISION SURVEY 0.36 ACRES LO5 PL2025-16305 |
| Legal Subdivision | MINOR SUBDIVISION |
| Legal Block | 84 |
| Legal Lot Number | 3841 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 930302 |
Source: Henderson County records, as of August 25, 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 | PO BOX 211, FLAT ROCK, NC 28731-0211 |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jun 10, 2020 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Dec 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Oct 29, 2018 | Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 2025 · Amount on Record |
| Deed Sale | Jan 7, 2025 · Amount on Record |
| Prior Sale | Dec 30, 2020 · Amount on Record |
| Deed Document Number | 20251024719 |
| Deed Book / Page | 4244 / 64 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 5540 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0035050001 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 3505/1 |
| Instrument | 926494 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | HENDERSONVILLE, NC 28792 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Dec 30, 2020 |
| Property Address | 5540 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Document Number | 0036270044 |
| Book / Page | 3627 / 44 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 941612 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 124 SONG BIRD TRL, 124, PICKENS, SC 29671-7957 |
| Name | Verified Name |
|---|---|
| Address | 5540 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Document Number | 941613 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 941613 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 5540 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Document Number | 0032730563 |
| Instrument Date | Oct 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 124 SONG BIRD TRL PICKENS SC 296717957, PICKENS, SC 29671-7957 |
| Document Number | 0032730563 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 003273/000563 |
| Instrument | 894554 |
| Name | UNITED CMNTY BK |
|---|---|
| Type | Bank |
| Address | HENDERSONVILLE, NC 28792 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 26, 2043 |
| 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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $212,500 (-7.49%) Land $25,300 Building $187,200 | |
| 2023 | $229,700 Land $42,500 Building $187,200 | $212,500 Land $25,300 Building $187,200 |
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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