117 Pine Tree Dr, Swannanoa, NC 28778 Property Records

Buncombe County property record for 117 Pine Tree Dr, Swannanoa, NC 28778

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,574 sqft · built 1966
Lot Size	0.519 acres (22,651 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,791 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9679-60-8110-00000`

Property Details

APN / Parcel Number

Primary APN	`9679-60-8110-00000`
Alternative APN	`967919607054000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
Gross Area	2,862 sqft
1st Floor Area	1,574 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.519 acres)
Garage Area	286 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	53 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Old Parcel Number	967919607054000
Street Address	117 PINE TREE DR
City	SWANNANOA
State	NC
Zip	28778-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 10/13/1997 DEE
Legal Description	DEED DATE: 10/13/1997 DEED: 1989-0353 SUBDIV: CRAGGY VIEW BLOCK: D LOT: 11 SECTION: 2 PLAT: 0033-0106
Legal Subdivision	CRAGGY VIEW
Legal Block	D
Legal Lot Number	11
Jurisdiction	BUNCOMBE NC
Township / Civil Division	SWANNANOA
Census Block Group	1
Census Block	1007
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	117 PINE TREE DR, SWANNANOA, NC 28778-2029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 12, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 1997
Deed Sale	Oct 13, 1997
Deed Document Number	0001989353
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	117 PINE TREE DR, SWANNANOA, NC 28778-2029
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061391085
Date	Oct 27, 2021
Book Page	6139/1085

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	117 PINE TREE DR, SWANNANOA, NC 28778-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDER RECORDING SERVICES IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056880793
Date	Jul 31, 2018
Book Page	5688/0793

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BLACK MOUNTAIN, NC 28711

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	117 PINE TREE DR, SWANNANOA, NC 28778-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057271556
Date	Dec 12, 2018
Book Page	5727/1556

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

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	$1,791.00 (+9.21%)	$257,200 (-)
2023	$1,640.00	$257,200	$257,200 (-) Land $45,100 Building $212,100
2021			$257,200 Land $45,100 Building $212,100

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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