5601 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 5601 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1977
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jan 2026)
Tax Bill	$1,639 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9588848243`

Property Details

APN / Parcel Number

Primary APN	`9588848243`
Alternative APNs	`0201570` `201570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,296 sqft Heated Area
1st Floor Area	1,040 sqft
Basement Area	260 sqft
Unfinished Basement	260 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	201570
Street Address	5601 HOWARD GAP RD
City	FLAT ROCK
State	NC
Zip	28731-7720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	201570~R2R
Legal Description	SR1006 ON HOWARD GAP RD
Legal Block	84
Legal Lot Number	8243
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1005
Census Tract	930302

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 Record	2 Individual Names on Record
Mailing Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 20, 2026	Warranty Deed, Transfer · USDA Mortgage HOMETRUST BANK
Jan 18, 2018	Deed of Trust, Mortgage FIRST CITIZENS BANK
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage PACE DONNIE TRUST (PT)
Aug 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	Aug 11, 2017 · Amount on Record
Deed Document Number	20261043463
Deed Book / Page	4389 / 287
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720

Mortgage

Document Number	0043060567
Date	Jun 25, 2025
Book Page	4306/567
Instrument	1001032952

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 26592, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 20, 2026
Property Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0043890287
Book / Page	4389 / 287
Instrument Date	Jan 20, 2026
Instrument	1001043463
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 ANTHONY DR, E FLAT ROCK, NC 28726-2201

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720

Mortgage

Document Number	1001043464
Date	Jan 20, 2026
Instrument	1001043464

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031530678
Date	Jan 18, 2018
Book Page	3153/678

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0031410465
Book / Page	003141 / 000465
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031410465
Date	Dec 13, 2017
Book Page	003141/000465
Instrument	875489

Lender

Name	PACE DONNIE TRUST (PT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 11, 2017
Property Address	5601 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0030900408
Book / Page	003090 / 000408
Instrument Date	Aug 10, 2017
Instrument	868393
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5601 HOWARD GAP RD FLAT ROCK NC 287317720, FLAT ROCK, NC 28731-7720

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$292,200 (-) Land $30,900 Building $261,300
2025	$1,639.00	$292,200 (-) Land $30,900 Building $261,300
2024	$1,639.00
2023		$292,200 Land $30,900 Building $261,300	$292,200 Land $30,900 Building $261,300

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 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

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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