103 Pine Tree Dr, Swannanoa, NC 28778 Property Records

Buncombe County property record for 103 Pine Tree Dr, Swannanoa, NC 28778

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1963
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jul 2023)
Tax Bill	$1,436 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`684437-2020-202`

Property Details

APN / Parcel Number

Primary APN	`684437-2020-202`
Alternative APNs	`9679-70-5302-00000` `967919704235000` `008234676`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,609 sqft
1st Floor Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	24 sqft
Patio Area	208 sqft
Canopy	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	684437-2020-202
Street Address	103 PINE TREE DR
City	SWANNANOA
State	NC
Zip	28778-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: CRAGGY VIEW BLOCK: C LOT: 7 SECTION: 2 PLAT: 0033-0106
Legal Subdivision	CRAGGY VIEW
Legal Block	C
Legal Lot Number	7
Jurisdiction	BUNCOMBE NC
Township / Civil Division	SWANNANOA
Census Block Group	1
Census Block	1008
Census Tract	3003

Owner

Source: Buncombe County records, as of September 22, 2025

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	103 PINE TREE DR, SWANNANOA, NC 28778-2013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Oct 18, 1990
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 28, 2023
Property Address	103 PINE TREE DR, SWANNANOA, NC 28778-2013
Document Number	0063381398
Book / Page	6338 / 1398
Map Reference	MB 33 PG 106
Instrument Date	Jul 28, 2023
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6031 FOX GROVE PL, MIDLOTHIAN, VA 23112-6540

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 PINE TREE DR, SWANNANOA, NC 28778-2013

Mortgage

Document Number	0063381401
Date	Jul 28, 2023
Instrument	6338/1401

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	5-Year TN
Margin	2
Max Rate	11.7%

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of September 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,436.00 (+5.98%)	$206,200 (-) Land $44,600 Building $161,600	$206,200 (-) Land $44,600 Building $161,600
2024	$1,355.00 (+3.04%)
2023	$1,315.00 (+1.62%)	$206,200 (-)	$206,200 (-) Land $44,600 Building $161,600
2022	$1,294.00	$206,200	$206,200 (-) Land $44,600 Building $161,600
2021			$206,200 Land $44,600 Building $161,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	20 (2004–2024)
Claims Outside the SFHA	1 of 20
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 14 claims Hurricane Ivan, Sep 2004 · 2 claims Tropical Storm Frances, Sep 2004 · 2 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

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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