109 Summit Divide Rd, Rosman, NC 28772 Property Records

Transylvania County property record for 109 Summit Divide Rd, Rosman, NC 28772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,259 sqft · built 1992
Lot Size	14.7 acres (641,639 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Nov 2019)
Tax Bill	$3,501 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8561-20-2679-000`

Property Details

APN / Parcel Number

Primary APN	`8561-20-2679-000`
Alternative APN	`70503720`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,259 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	641,639 sqft (14.7 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70503720
Street Address	109 SUMMIT DIVIDE RD
City	ROSMAN
State	NC
Zip	28772-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 80A OFF US HWY 178
Legal Subdivision	INDIAN CAMP MOUNTAIN
Legal Tract	80A
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	EASTATOE
Census Block Group	1
Census Block	1024
Census Tract	960501

Owner

Source: Transylvania County records, as of May 6, 2026

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	109 SUMMIT DIVIDE RD, ROSMAN, NC 28772-9715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Apr 1, 1995 · Amount on Record
Deed Document Number	20196190
Deed Book / Page	901 / 704
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Recording Date	Apr 29, 2026
Property Address	109 SUMMIT DIVIDE RD, ROSMAN, NC 28772-9715
Document Number	0000001964
Book / Page	1186 / 782
Instrument Date	Mar 27, 2026
Instrument	20261964
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SUMMIT DIVIDE RD, ROSMAN, NC 28772-9715

Mortgage

Document Number	0000001964,
Date	Apr 29, 2026
Book Page	1186/782
Instrument	20261964

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2056

Interest

Rate	5.98%
Max Rate	-1%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Nov 22, 2019
Property Address	109 SUMMIT DIVIDE RD, ROSMAN, NC 28772-9715
Document Number	0009010704
Book / Page	901 / 704
Map Reference	FILE 11 SL 978
Instrument Date	Nov 7, 2019
Instrument	2019006190
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 CAMBRIDGE DR, 135, BREVARD, NC 28712-9152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SUMMIT DIVIDE RD, ROSMAN, NC 28772-9715

Mortgage

Document Number	2019006191
Date	Nov 22, 2019
Instrument	2019006191

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Transylvania County assessment roll, as of August 19, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,501.00 (+35.91%)	$728,720 (+86.2%) Land $194,730 Building $533,990	$728,720 (+86.2%) Land $194,730 Building $533,990
2023	$2,576.00	$391,370 Land $173,810 Building $217,560	$391,370 Land $173,810 Building $217,560

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 June 26, 2017 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2021–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	0.06% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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