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Single Family ResidenceResidential
$304,952$200 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

5095 HOWARD GAP RD

FLAT ROCK, NC 28731
3
Beds
2
Baths
1,528 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$305K
$264K low$346K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,221 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$217,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$192,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$217,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$217,600

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyHENDERSON
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1988
Lot (acres)The size of the land the home sits on, from county records.0.39
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 80 ft²Porch · 128 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Henderson County Early CollegeA+
High · Grades 9–12 · 1.5 mi
E
Dana Elementary SchoolD-
Elementary · Grades PK–5 · 2.1 mi
M
Flat Rock Middle SchoolB
Middle · Grades 6–8 · 3.6 mi

District: Henderson County Schools

Neighborhood · ZIP 28731These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.11,192
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.401 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,204
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,508
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.62 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

5095 Howard Gap Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Flat Rock 28731
  • Costs less per square foot than 85% of homes in Flat Rock 28731
  • Smaller than 67% of homes in Flat Rock 28731
  • Has a smaller lot than 77% of homes in Flat Rock 28731
  • Older than 73% of homes in Flat Rock 28731

What homes are worth in Flat Rock 28731

Each bar is how many homes fall in that price range. The marker is this home.

This home
$168K$1.7M

This home is worth more than 14% of homes in Flat Rock 28731.

How it measures up in Flat Rock 28731

The dot is this home. The mark in the middle is the typical home in Flat Rock 28731.

Estimated value$304,952
CheaperTypical $498,763Pricier

Pricier than 14% of homes nearby

Price per ft²$200
CheaperTypical $265Pricier

Pricier than 15% of homes nearby

Living area1,528 ft²
SmallerTypical 1,848 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.39 ac
SmallerTypical 0.88 acBigger

Bigger than 23% of homes nearby

Year built1981
OlderTypical 1995Newer

Newer than 27% of homes nearby

How 5095 Howard Gap Rd ranks against every home in each area.
MeasureThis homeFlat Rock 28731Henderson County
Estimated valuepricier than$304,95214% of homes23% of homes
Price per ft²pricier than$20015% of homes23% of homes
Living areabigger than1,528 ft²33% of homes40% of homes
Lot sizebigger than0.39 ac23% of homes28% of homes
Year builtnewer than198127% of homes38% of homes

About 5095 Howard Gap Rd

How much is 5095 Howard Gap Rd, Flat Rock, NC worth?

The TopHap Estimate for 5095 Howard Gap Rd, Flat Rock, NC is $304,952 as of Aug 30, 2026. The likely range is $264,187 to $345,717. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5095 Howard Gap Rd, Flat Rock, NC last sell?

5095 Howard Gap Rd, Flat Rock, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 5095 Howard Gap Rd, Flat Rock, NC?

5095 Howard Gap Rd, Flat Rock, NC has 3 bedrooms, 2 bathrooms, 1,528 square feet of living space and a 0.39-acre lot.

When was 5095 Howard Gap Rd, Flat Rock, NC built?

5095 Howard Gap Rd, Flat Rock, NC was built in 1981, making it 45 years old. It is a conventional home. The building has 1 story.

What schools serve 5095 Howard Gap Rd, Flat Rock, NC?

5095 Howard Gap Rd, Flat Rock, NC is assigned to Henderson County Early College (high), rated A+; Dana Elementary School (elementary), rated D-; Flat Rock Middle School (middle), rated B. All sit in Henderson County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5095 Howard Gap Rd, Flat Rock, NC compare to other homes in Flat Rock 28731?

Among the 4,347 homes in Flat Rock 28731, it is worth more than 14% of them ($304,952 against a typical $498,763), its price per square foot is higher than 15% of them ($200 against a typical $265), it is bigger than 33% of them (1,528 ft² against a typical 1,848 ft²), its lot is bigger than 23% of them (0.39 ac against a typical 0.88 ac) and it is newer than 27% of them (1981 against a typical 1995). Measured against all of Henderson County, it is worth more than 23% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 5095 Howard Gap Rd, Flat Rock, NC?

The 2025 property tax bill for 5095 Howard Gap Rd, Flat Rock, NC was $1,221. The county assessed it at $217,600.

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