Henderson County property record for 5575 Howard Gap Rd, Flat Rock, NC 28731 · Last verified July 2026
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
|---|---|
| Bathrooms | 3.5 Baths |
| Architecture Style | Modular |
| Year Built | Built 2011 |
| Square Footage | 2,766 sqft Heated Area |
| Lot Size | 221,720 sqft (5.09 acres) |
| Garage | 660 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $3,486.00 (2025) |
| Primary APN | 9588848629 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Building Area | 2,766 sqft Heated Area |
| 1st Floor | 1,976 sqft 1st Floor |
| Upper Floors | 790 sqft Upper Floors |
| Basement Area | 1,976 sqft Basement |
| Unfinished Basement | 1,976 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Modular Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 221,720 sqft (5.09 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 660 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 880 sqft Shed |
| Deck Area | 168 sqft Deck |
| Porch Area | 198 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 1005859 |
|---|---|
| Street Address | 5575 HOWARD GAP RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7781 |
| Property Usage | Residential Property Usage |
| Type | Residential > Prefabricated > Manufactured or Modular Home |
| Legal Description | STELTS FAMILY SUBD LO5 PL2006-6287 |
| Legal Subdivision | STELTS FAMILY SUB |
| Legal Block | 84 |
| Legal Lot Number | 8629 |
| Jurisdiction | HENDERSON NC |
| Minor Civil Division | BLUE RIDGE |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 930302 |
Source: Henderson County records · APN 9588848629
Assessment roll updated July 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 5575 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 5575 HOWARD GAP RD, FLAT ROCK, NC 28731-7781 |
| Document Number | 0036280428 |
| Instrument Date | Dec 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5575 HOWARD GAP RD FLAT ROCK NC 287317781, FLAT ROCK, NC 28731-7781 |
| Document Number | 0036280428 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 003628/000428 |
| Instrument | 941786 |
| Name | CITY BK |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368-2240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $621,400 (-) Land $80,900 Building $540,500 | ||
| 2025 | $3,486.00 | ||
| 2023 | $621,400 Land $80,900 Building $540,500 | $621,400 Land $80,900 Building $540,500 |
5575 Howard Gap Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Henderson County (37089C), updated October 12, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 32nd percentile of exposed land nationally · 43rd in North Carolina |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,174 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures