5630 Howard Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 5630 Howard Gap Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,343 sqft · built 1963
Lot Size	12.6 acres (552,341 sqft)
Owner	Company Name on Record
Tax Bill	$5,562 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9588836480`

Property Details

APN / Parcel Number

Primary APN	`9588836480`
Alternative APN	`1015421`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,343 sqft Heated Area
1st Floor Area	1,343 sqft
Basement Area	1,343 sqft
Unfinished Basement	1,343 sqft
Office	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	552,341 sqft (12.6 acres)
Garage Type	Carport
Garage Area	234 sqft
Carport	Carport
Carport Area	234 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Patio Area	60 sqft
Shed	1 Shed
Shed Area	5,000 sqft
Utility Building	324 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1015421
Street Address	5630 HOWARD GAP RD
City	FLAT ROCK
State	NC
Zip	28731-7720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1015421~R2
Legal Description	SR1006 ON HOWARD GAP RD
Legal Block	83
Legal Lot Number	6480
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	143 S JACKSON ST, ELKHORN, WI 53121-1911
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Warranty Deed, Transfer · Commercial Mortgage OLD NATIONAL BANK
Oct 18, 2022	Intrafamily Transfer, Transfer
Dec 21, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 11, 2022
Transfer Doc	0039750329
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 9, 2023
Property Address	5630 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0040410584
Book / Page	4041 / 584
Instrument Date	May 5, 2023
Instrument	1000997505
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Tax	$4,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1700, HENDERSONVILLE, NC 28793-1700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 S JACKSON ST, ELKHORN, WI 53121-1911

Mortgage

Document Number	1000997507
Date	May 9, 2023
Instrument	1000997507

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	115 Months
Due	Dec 4, 2032

Interest

Rate Type	Adjustable Rate

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON NC
Recording Date	Oct 18, 2022
Property Address	5630 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0039750329
Book / Page	3975 / 329
Instrument Date	Oct 11, 2022
Instrument	988230
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1700, HENDERSONVILLE, NC 28793-1700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1700, HENDERSONVILLE, NC 28793-1700

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Dec 21, 2017
Property Address	5630 HOWARD GAP RD, FLAT ROCK, NC 28731-7720
Document Number	0031450526
Book / Page	003145 / 000526
Instrument Date	Dec 15, 2017
Instrument	876052
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1700 HENDERSONVILLE NC 287931700, HENDERSONVILLE, NC 28793-1700

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		$991,500 (-) Land $156,800 Building $834,700
2025	$5,562.00	$991,500 (-) Land $156,800 Building $834,700
2023		$991,500 Land $156,800 Building $834,700	$991,500 Land $156,800 Building $834,700

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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