646 Low Gap Rd, Hendersonville, NC 28792 Property Records

Henderson County property record for 646 Low Gap Rd, Hendersonville, NC 28792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,856 sqft · built 1965
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Aug 2013)
Tax Bill	$1,491 (2025)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10061054342555`

Property Details

APN / Parcel Number

Primary APN	`10061054342555`
Alternative APNs	`610543425` `9956145`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,856 sqft Heated Area
1st Floor Area	1,170 sqft
Basement Area	1,170 sqft
Unfinished Basement	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	75,359 sqft (1.73 acres)
Garage Type	Detached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	265 sqft
Deck Area	12 sqft
Utility Building	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	9956145
Street Address	646 LOW GAP RD
City	HENDERSONVILLE
State	NC
Zip	28792-4718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9956145~R3
Legal Description	SR1716 ON LOW GAP ROAD
Legal Block	54
Legal Lot Number	3425
Jurisdiction	HENDERSON NC
Township / Civil Division	EDNEYVILLE
Census Block Group	2
Census Block	2018
Census Tract	930202

Owner

646 Low Gap Rd is owned and occupied by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	646 LOW GAP RD, HENDERSONVILLE, NC 28792-4718
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2013 · Amount on File
Deed Sale	Aug 21, 2013 · Amount on File
Deed Document Number	2013789933
Deed Book / Page	1544 / 471
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	646 LOW GAP RD, HENDERSONVILLE, NC 28792-4718
Document Number	0032630694
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	646 LOW GAP RD HENDERSONVILLE NC 287924718, HENDERSONVILLE, NC 28792-4718

Mortgage

Document Number	0032630694
Date	Oct 26, 2018
Book Page	003263/000694
Instrument	893123

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 646 Low Gap Rd was $1,491.

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		$273,100 Land $48,300 Building $224,800
2025	$1,491.00
2023		$273,100 Land $48,300 Building $224,800	$273,100 Land $48,300 Building $224,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 646 Low Gap Rd in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 646 Low Gap Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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