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Single Family ResidenceResidential
$346,736$246 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $412,000 on Jan 7, 2025

5540 HOWARD GAP RD

FLAT ROCK, NC 28731
2
Baths
1,409 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
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

$347K
$318K low$376K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$412,000 · Jan 7, 2025

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$212,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$187,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$212,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
51
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

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.Ranch
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.1987
Lot (acres)The size of the land the home sits on, from county records.0.36
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 348 ft²Porch · 84 ft²

Transaction History(2)

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.

E
Upward Elementary SchoolB-
Elementary · Grades PK–5 · 1.0 mi
H
Henderson County Early CollegeA+
High · Grades 9–12 · 1.6 mi
M
Flat Rock Middle SchoolB
Middle · Grades 6–8 · 3.5 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

5540 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 79% of homes in Flat Rock 28731
  • Smaller than 74% of homes in Flat Rock 28731
  • Has a smaller lot than 79% of homes in Flat Rock 28731
  • Older than 74% 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
$170K$1.8M

This home is worth more than 21% 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$346,736
CheaperTypical $500,603Pricier

Pricier than 21% of homes nearby

Price per ft²$246
CheaperTypical $265Pricier

Pricier than 39% of homes nearby

Living area1,409 ft²
SmallerTypical 1,862 ft²Bigger

Bigger than 26% of homes nearby

Lot size0.36 ac
SmallerTypical 0.88 acBigger

Bigger than 21% of homes nearby

Year built1980
OlderTypical 1995Newer

Newer than 26% of homes nearby

How 5540 Howard Gap Rd ranks against every home in each area.
MeasureThis homeFlat Rock 28731Henderson County
Estimated valuepricier than$346,73621% of homes33% of homes
Price per ft²pricier than$24639% of homes52% of homes
Living areabigger than1,409 ft²26% of homes32% of homes
Lot sizebigger than0.36 ac21% of homes27% of homes
Year builtnewer than198026% of homes36% of homes

About 5540 Howard Gap Rd

How much is 5540 Howard Gap Rd, Flat Rock, NC worth?

The TopHap Estimate for 5540 Howard Gap Rd, Flat Rock, NC is $346,736 as of Jul 14, 2026. The likely range is $317,545 to $375,927. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5540 Howard Gap Rd, Flat Rock, NC last sell?

5540 Howard Gap Rd, Flat Rock, NC last sold on Jan 7, 2025 for $412,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 5540 Howard Gap Rd, Flat Rock, NC?

5540 Howard Gap Rd, Flat Rock, NC has 2 bathrooms, 1,409 square feet of living space and a 0.36-acre lot.

When was 5540 Howard Gap Rd, Flat Rock, NC built?

5540 Howard Gap Rd, Flat Rock, NC was built in 1980, making it 46 years old. It is a ranch home. The building has 1 story.

What schools serve 5540 Howard Gap Rd, Flat Rock, NC?

5540 Howard Gap Rd, Flat Rock, NC is assigned to Upward Elementary School (elementary), rated B-; Henderson County Early College (high), rated A+; 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 5540 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 21% of them ($346,736 against a typical $500,603), its price per square foot is higher than 39% of them ($246 against a typical $265), it is bigger than 26% of them (1,409 ft² against a typical 1,862 ft²), its lot is bigger than 21% of them (0.36 ac against a typical 0.88 ac) and it is newer than 26% of them (1980 against a typical 1995). Measured against all of Henderson County, it is worth more than 33% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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Assigned schools

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