105 Pine Tree Dr, Swannanoa, NC 28778 Property Records

Buncombe County property record for 105 Pine Tree Dr, Swannanoa, NC 28778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1965
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (May 2018)
Tax Bill	$1,820 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`696463-2020-202`

Property Details

APN / Parcel Number

Primary APN	`696463-2020-202`
Alternative APNs	`9679-70-4209-00000` `967919703233000` `008205016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	204 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	696463-2020-202
Street Address	105 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 LOT: 6 BLOCK: C SECTION: 2 PLAT: 0033-0106
Legal Subdivision	CRAGGY VIEW
Legal Block	C
Legal Lot Number	6
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	105 PINE TREE DR, SWANNANOA, NC 28778-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 21, 2018	Warranty Deed, Transfer · Conventional Mortgage CHAMPION CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2018 · Amount on Record
Deed Sale	May 21, 2018 · Amount on Record
Prior Sale	Oct 31, 2005 · Amount on Record
Deed Book / Page	5665 / 1780
Last Transfer Date	Aug 17, 2018
Transfer Doc	0056950506
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	105 PINE TREE DR, SWANNANOA, NC 28778-2013
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060271064
Date	Mar 1, 2021
Book Page	6027/1064

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Aug 21, 2018
Property Address	105 PINE TREE DR, SWANNANOA, NC 28778-2013
Document Number	0056950506
Book / Page	005695 / 000506
Instrument Date	Aug 17, 2018
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	105 PINE TREE DR SWANNANOA NC 287782013, SWANNANOA, NC 28778-2013

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	May 21, 2018
Property Address	105 PINE TREE DR, SWANNANOA, NC 28778-2013
Document Number	0056651780
Book / Page	005665 / 001780
Instrument Date	May 21, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	105 PINE TREE DR SWANNANOA NC 287782013, SWANNANOA, NC 28778-2013

Mortgage

Document Number	56651782
Date	May 21, 2018
Book Page	005665/001782

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

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	$1,820.00 (+5.94%)	$261,400 (-) Land $43,900 Building $217,500	$261,400 (-) Land $43,900 Building $217,500
2024	$1,718.00 (+3.06%)
2023	$1,667.00	$261,400	$261,400 (-) Land $43,900 Building $217,500
2021			$261,400 Land $43,900 Building $217,500

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
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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