103 Virginia Rd, Black Mountain, NC 28711 Property Records

Buncombe County property record for 103 Virginia Rd, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,850 sqft · built 1954
Lot Size	0.42 acres (18,295 sqft)
Owner	Company Name on Record
Last Sale	$355,000 (Nov 2018)
Tax Bill	$4,550 (2025)
Deeds & Mortgages	Apr 2022 Transfer Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`646601-2020-202`

Property Details

APN / Parcel Number

Primary APN	`646601-2020-202`
Alternative APNs	`0710-64-0195-00000` `071015640120000` `008259991`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,850 sqft Living Area
Gross Area	3,195 sqft
1st Floor Area	1,950 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	345 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	194 sqft
Deck Area	238 sqft
Patio Area	794 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	646601-2020-202
Street Address	103 VIRGINIA RD
City	BLACK MOUNTAIN
State	NC
Zip	28711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: MONTREAT BLOCK: LOT: 72 & ADJ SECTION: PLAT: 0165-0080
Legal Subdivision	MONTREAT
Legal Block	1
Legal Lot Number	72
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	1
Census Block	1043
Census Tract	3106

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	Company Name on Record
Mailing Address	9917 GRASSY CROPS RD, CHARLOTTE, NC 28277-6703
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Intrafamily Transfer, Transfer
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FNDG
Nov 8, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2018 · Amount on Record
Deed Sale	Nov 8, 2018 · Amount on Record
Prior Sale	Feb 5, 2013 · Amount on Record
Deed Book / Page	5718 / 1632
Last Transfer Date	Mar 18, 2022
Transfer Doc	0062061911
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUNCOMBE NC
Recording Date	Apr 12, 2022
Property Address	103 VIRGINIA AVE, BLACK MOUNTAIN, NC 28711
Document Number	0062061911
Book / Page	6206 / 1911
Map Reference	MB 165 PG 80
Instrument Date	Mar 18, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	9917 GRASSY CROPS RD, CHARLOTTE, NC 28277-6703

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	103 VIRGINIA AVE, BLACK MOUNTAIN, NC 28711
Document Number	0058470519
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 VIRGINIA RD MONTREAT NC 28757, MONTREAT, NC 28757

Mortgage

Document Number	0058470519
Date	Dec 20, 2019
Book Page	005847/000519

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Nov 8, 2018
Property Address	103 VIRGINIA AVE, BLACK MOUNTAIN, NC 28711
Document Number	0057181632
Book / Page	5718 / 1632
Map Reference	MB 165 PG 80
Instrument Date	Nov 6, 2018
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 428, FOLLY BEACH, SC 29439-0428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 VIRGINIA ROAD, MONTREAT, NC 28757

Mortgage

Document Number	57181635
Date	Nov 8, 2018
Instrument	5718/1635

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,550.00 (+305.16%)	$420,000 (-) Land $105,000 Building $315,000	$420,000 (-) Land $105,000 Building $315,000
2024	$1,123.00 (-74.16%)
2023	$4,346.00	$420,000	$420,000 (-) Land $105,000 Building $315,000
2021			$420,000 Land $105,000 Building $315,000

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 April 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	11 (2004–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 9 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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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	MONTREAT WATER SYSTEM serves 798 people · EPA ID NC0111484
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	4 ppb (2026) 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	2 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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