684 Deep Gap Loop Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 684 Deep Gap Loop Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,612 sqft · built 2007
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,514 (2025)
Deeds & Mortgages	Mar 2022 Sale & Second Mortgage Oct 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`9598839985`

Property Details

APN / Parcel Number

Primary APN	`9598839985`
Alternative APNs	`00959883998555` `9963919`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,612 sqft Heated Area
1st Floor Area	3,612 sqft
Basement Area	3,612 sqft
Unfinished Basement	3,612 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	222,156 sqft (5.1 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	760 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9963919
Street Address	684 DEEP GAP LOOP RD
City	FLAT ROCK
State	NC
Zip	28731-6791
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9963919~R2
Legal Description	#03 PER SLD3033 PL1999-3033
Legal Subdivision	DANA
Legal Block	83
Legal Lot Number	9985
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1004
Census Tract	930201

Owner

Source: Henderson County records, as of October 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	684 DEEP GAP LOOP RD, FLAT ROCK, NC 28731-6791
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage PAC RATS LLC
Oct 11, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 7, 2019
Transfer Doc	0033980616
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Mar 21, 2022
Property Address	684 DEEP GAP LOOP RD, FLAT ROCK, NC 28731-6791
Document Number	0038860368
Book / Page	3886 / 368
Map Reference	SL 2840
Instrument Date	Mar 17, 2022
Instrument	976035
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2557, HENDERSONVILLE, NC 28793-2557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PERSIMMON DR, MILLS RIVER, NC 28759-9663

Mortgage

Document Number	0000976037
Date	Mar 21, 2022
Instrument	976037

Lender

Name	PAC RATS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 17, 2037

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 11, 2019
Property Address	684 DEEP GAP LOOP RD, FLAT ROCK, NC 28731-6791
Document Number	0033980616
Book / Page	003398 / 000616
Instrument Date	Oct 7, 2019
Instrument	912582
Transaction Type	Transfer
Record Updated	Oct 30, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	684 DEEP GAP LOOP RD FLAT ROCK NC 287316791, FLAT ROCK, NC 28731-6791

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		$790,600 (-) Land $94,200 Building $696,400
2025	$4,514.00	$790,600 (-) Land $94,200 Building $696,400
2024	$4,514.00
2023		$790,600 Land $94,200 Building $696,400	$790,600 Land $94,200 Building $696,400

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	1 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

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.08% 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)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Deep Gap Loop Rd

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