107 Pine Tree Dr, Swannanoa, NC 28778 Property Records

Buncombe County property record for 107 Pine Tree Dr, Swannanoa, NC 28778

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,465 sqft · built 1964
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Apr 2022)
Tax Bill	$2,541 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9679-70-2256-00000`

Property Details

APN / Parcel Number

Primary APN	`9679-70-2256-00000`
Alternative APN	`967919701189000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,465 sqft Living Area
Gross Area	2,198 sqft
1st Floor Area	1,465 sqft
Basement Area	756 sqft
Finished Basement	714 sqft
Unfinished Basement	42 sqft
Utility Area	216 sqft
Utility Room	Utility Room
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,977 sqft (0.78 acres)
Garage Type	Carport
Carport	Carport
Carport Area	675 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	967919701189000
Street Address	107 PINE TREE DR
City	SWANNANOA
State	NC
Zip	28778-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 2022-04-28 DEE
Legal Description	DEED DATE: 2022-04-28 DEED: 6213-815 SUBDIV: CRAGGY VIEW BLOCK: C LOT: 5 SECTION: 2 PLAT: 0033-0106
Legal Subdivision	CRAGGY VIEW
Legal Block	C
Legal Lot Number	5
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 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	107 PINE TREE DR, SWANNANOA, NC 28778-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Apr 28, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2022 · Amount on Record
Deed Sale	Apr 28, 2022 · Amount on Record
Prior Sale	Jun 23, 2015 · Amount on Record
Deed Document Number	0006213815
Deed Book / Page	6213 / 815
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	107 PINE TREE DR, SWANNANOA, NC 28778-2013
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 PINE TREE DR, SWANNANOA, NC 28778-2013

Mortgage

Document Number	0065501357
Date	Dec 12, 2025
Book Page	6550/1357

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	GREENSBORO, NC 27401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 8, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Apr 28, 2022
Property Address	107 PINE TREE DR, SWANNANOA, NC 28778-2013
Document Number	0062130815
Book / Page	6213 / 815
Map Reference	MB 33 PG 106
Instrument Date	Apr 26, 2022
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 COLLEGE CIR, 104, SWANNANOA, NC 28778-2002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 PINE TREE DR, SWANNANOA, NC 28778-2013

Mortgage

Document Number	0006213817
Date	Apr 28, 2022
Instrument	6213/817

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of January 1, 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	$2,541.00 (+9.15%)	$364,900 (-)
2023	$2,328.00	$364,900	$364,900 (-) Land $47,700 Building $317,200
2021			$364,900 Land $47,700 Building $317,200

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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