103 Disoway St, Black Mountain, NC 28711 Property Records

Buncombe County property record for 103 Disoway St, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,546 sqft · built 1910
Lot Size	0.669 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Aug 2022)
Tax Bill	$4,979 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0619-43-2604-00000`

Property Details

APN / Parcel Number

Primary APN	`0619-43-2604-00000`
Alternative APN	`061914431539000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,546 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	1,440 sqft
2nd Floor Area	1,440 sqft
Flooring	Hardwood
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.669 acres)
Terrain	Rolling
Porch	Open Porch
Porch Area	980 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	061914431539000
Street Address	103 DISOWAY ST
City	BLACK MOUNTAIN
State	NC
Zip	28711-3803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 2022-08-30 DEE
Legal Description	DEED DATE: 2022-08-30 DEED: 6253-1196 SUBDIV: E G HERBSTER & BLK MTN HOTEL BLOCK: 14 LOT: PORTION OF LOT 8 SECTION: PLAT: 000
Legal Subdivision	E G HERBSTER AND BLK MTN HOTEL
Legal Block	14
Legal Lot Number	8
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	3
Census Block	3029
Census Tract	3105

Owner

103 Disoway St is owned and occupied by an individual who bought it in August 2022.

Source: Buncombe County records, as of September 24, 2025

Owner of Record	Individual Name on File
Mailing Address	103 DISOWAY ST, BLACK MOUNTAIN, NC 28711-3803
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

Date	Document
Aug 30, 2022	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Mar 20, 2017	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Nov 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on File
Deed Sale	Aug 30, 2022 · Amount on File
Prior Sale	Jul 31, 2015 · Amount on File
Deed Document Number	0062531196
Deed Book / Page	6253 / 1196
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Aug 30, 2022
Property Address	103 DISOWAY ST, BLACK MOUNTAIN, NC 28711-3803
Document Number	0062531196
Book / Page	6253 / 1196
Instrument Date	Aug 25, 2022
Transaction Type	Transfer
Record Updated	Sep 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	160 LOVERING ST, 160, MEDWAY, MA 02053-2332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 DISOWAY ST, BLACK MOUNTAIN, NC 28711-3803

Mortgage

Document Number	0062531199
Date	Aug 30, 2022
Instrument	6253/1199

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	103 DISOWAY ST, BLACK MOUNTAIN, NC 28711-3803
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	LENDER RECORDING SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055300700
Date	Mar 20, 2017
Book Page	5530/0700

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	103 DISOWAY ST, BLACK MOUNTAIN, NC 28711-3803
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057220675
Date	Nov 21, 2018
Book Page	5722/0675

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	103 DISOWAY ST, BLACK MOUNTAIN, NC 28711-3803
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059001757
Date	May 22, 2020
Book Page	5900/1757

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 103 Disoway St was $4,979.

Source: Buncombe County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Buncombe County
Municipality	Black Mountain Town
Unified School District	Buncombe County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,979.00	$573,900
2023	$4,700.00	$573,900	$573,900 Land $42,000 Building $531,900
2021			$573,900 Land $42,000 Building $531,900

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

Flood

FEMA maps place 103 Disoway St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective April 9, 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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims

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 103 Disoway St is moderate, ranking above 40% of the US, with a 0.05% 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	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BLACK MOUNTAIN serves 11,976 people · EPA ID NC0111020
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	9 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Verizon.

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