119 Virginia Rd, Black Mountain, NC 28711 Property Records

Buncombe County property record for 119 Virginia Rd, Black Mountain, NC 28711

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 3 ba · 4,688 sqft · built 1904
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Feb 1989)
Tax Bill	$9,307 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0710-64-2844-00000`

Property Details

APN / Parcel Number

Primary APN	`0710-64-2844-00000`
Alternative APN	`071015641870000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,688 sqft Living Area
Gross Area	7,565 sqft
1st Floor Area	3,179 sqft
2nd Floor Area	2,189 sqft
Upper Floors Area	275 sqft
Basement Area	2,202 sqft
Finished Basement	410 sqft
Unfinished Basement	1,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	38,333 sqft (0.88 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	480 sqft
Deck Area	25 sqft
Patio Area	229 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	071015641870000
Street Address	119 VIRGINIA RD
City	BLACK MOUNTAIN
State	NC
Zip	28711
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	DEED DATE: 02/15/1989 DEE
Legal Description	DEED DATE: 02/15/1989 DEED: 1550-0674 SUBDIV: MOUNTAIN RETREAT BLOCK: LOT: 114-117 SECTION: PLAT: 0026-0091
Legal Subdivision	MOUNTAIN RETREAT
Legal Lot Number	114-117
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 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	PO BOX 730, MONTREAT, NC 28757-0730
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Aug 31, 2017	Deed of Trust, Mortgage · Conventional with PMI HOMETRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 1989 · Amount on Record
Deed Sale	Feb 15, 1989 · Amount on Record
Deed Document Number	0001550674
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	119 VIRGINIA AVE, BLACK MOUNTAIN, NC 28711
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055970652
Date	Oct 4, 2017
Book Page	5597/0652

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	119 VIRGINIA AVE, BLACK MOUNTAIN, NC 28711
Document Number	0055870429
Book / Page	005587 / 000429
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 VIRGINIA AVE ASHEVILLE NC 288063217, ASHEVILLE, NC 28806-3217

Mortgage

Document Number	0055870429
Date	Sep 6, 2017
Book Page	005587/000429

Lender

Name	HOMETRUST BK
Type	Bank
Address	ASHEVILLE, NC 28802-0010

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of January 1, 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	$9,307.00 (+4.7%)	$859,000 (-)
2023	$8,889.00	$859,000	$859,000 (-) Land $126,300 Building $732,700
2021			$859,000 Land $126,300 Building $732,700

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
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 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.08% 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.

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