989 Deep Gap Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 989 Deep Gap Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,232 sqft · built 2005
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,041 (2025)
Deeds & Mortgages	Oct 2018 Transfer Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`9598850573`

Property Details

APN / Parcel Number

Primary APN	`9598850573`
Alternative APN	`1006972`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,232 sqft Heated Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	67,082 sqft (1.54 acres)

Exterior Amenities

Porch	Slab
Porch Area	816 sqft
Patio Area	336 sqft
Canopy	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1006972
Street Address	989 DEEP GAP RD
City	FLAT ROCK
State	NC
Zip	28731-5806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1006972~R2
Legal Description	BARTLEY DIVISION LO1.81AC PL2006-6299
Legal Subdivision	KYLE & TONYA BARTLEY
Legal Block	85
Legal Lot Number	573
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2020
Census Tract	930201

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	989 DEEP GAP RD, FLAT ROCK, NC 28731-5806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 20, 2018	Deed of Trust, Mortgage · Line of Credit UNITED FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 26, 2007
Transfer Doc	0013080347
Record Updated	Sep 20, 2026

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 19, 2018
Property Address	989 DEEP GAP RD, FLAT ROCK, NC 28731-5806
Document Number	0032610444
Book / Page	003261 / 000444
Instrument Date	Oct 18, 2018
Instrument	892762
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	989 DEEP GAP RD FLAT ROCK NC 287315806, FLAT ROCK, NC 28731-5806

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	989 DEEP GAP RD, FLAT ROCK, NC 28731-5806
Document Number	0032490685
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Oct 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	989 DEEP GAP RD FLAT ROCK NC 287315806, FLAT ROCK, NC 28731-5806

Mortgage

Document Number	0032490685
Date	Sep 20, 2018
Book Page	003249/000685
Instrument	891056

Lender

Name	UNITED FCU
Type	Credit Union
Address	ST JOSEPHM, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2048

Interest

Rate Type	Adjustable Rate

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		$357,600 (-) Land $51,500 Building $306,100
2025	$2,041.00	$357,600 (+2.32%) Land $51,500 Building $306,100
2023		$349,500 Land $51,500 Building $298,000	$357,600 Land $51,500 Building $306,100

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
AT&T Fixed Wireless	25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Deep Gap Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures