5610 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 5610 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1953
Lot Size	1.37 acres (59,677 sqft)
Owner	2 Individual Names on Record
Last Sale	$153,000 (Dec 2017)
Tax Bill	$1,162 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9588836943`

Property Details

APN / Parcel Number

Primary APN	`9588836943`
Alternative APNs	`00958883694355` `9934046`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,536 sqft Heated Area
1st Floor Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	59,677 sqft (1.37 acres)
Garage Type	Mixed
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Canopy	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9934046
Street Address	5610 HOWARD GAP RD
City	FLAT ROCK
State	NC
Zip	28731-7720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9934046~R2
Legal Description	BLUE RIDGE
Legal Subdivision	HUGH R IRENE M BELL
Legal Block	83
Legal Lot Number	6943
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1036
Census Tract	930302

Owner

Source: Henderson County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5610 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Dec 12, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Nov 15, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2017 · Amount on Record
Deed Sale	Dec 12, 2017 · Amount on Record
Prior Sale	May 12, 2014 · Amount on Record
Deed Book / Page	3140 / 677
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	5610 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0035160218
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5610 HOWARD GAP RD FLAT ROCK NC 287317720, FLAT ROCK, NC 28731-7720

Mortgage

Document Number	0035160218
Date	Jun 30, 2020
Book Page	003516/000218
Instrument	927856

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Dec 12, 2017
Property Address	5610 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0031400677
Book / Page	003140 / 000677
Instrument Date	Dec 11, 2017
Instrument	875416
Transaction Type	Transfer
Record Updated	Jan 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$306.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5610 HOWARD GAP RD FLAT ROCK NC 287317720, FLAT ROCK, NC 28731-7720

Mortgage

Document Number	31400680
Date	Dec 12, 2017
Book Page	003140/000680
Instrument	875417

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2047

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Nov 15, 2017
Property Address	5610 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0031290352
Book / Page	003129 / 000352
Instrument Date	Nov 13, 2017
Instrument	873835
Transaction Type	Transfer
Record Updated	Dec 12, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 GREYSTONE DR HENDERSONVILLE NC 287929172, HENDERSONVILLE, NC 28792-9172

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		$207,300 (-) Land $43,700 Building $163,600
2025	$1,162.00
2023		$207,300 Land $43,700 Building $163,600	$207,300 Land $43,700 Building $163,600

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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