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120 Virginia Rd, Black Mountain, NC 28711 Property Records

Buncombe County property record for 120 Virginia Rd, Black Mountain, NC 28711

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 892 sqft · built 1911
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on File
Last Sale$320,000 (Feb 2020)
Tax Bill$1,373 (2025)
Deeds & MortgagesFeb 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0710-64-4757-00000

Property Details

APN / Parcel Number

Primary APN0710-64-4757-00000
Alternative APN
  • 071015643771000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area892 sqft Living Area
Gross Area1,874 sqft
1st Floor Area892 sqft
Basement Area892 sqft
Finished Basement105 sqft
Unfinished Basement787 sqft
FlooringSoftwood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1911
Architectural StyleConventional
Exterior MaterialWood
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area10,019 sqft (0.23 acres)

Exterior Amenities

PorchEnclosed Porch
Porch Area170 sqft
Deck Area81 sqft
Patio Area156 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Old Parcel Number071015643771000
Street Address120 VIRGINIA RD
CityBLACK MOUNTAIN
StateNC
Zip28711
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeDEED DATE:02/10/2020 DEED
Legal DescriptionDEED DATE:02/10/2020 DEED:5862-0818 SUBDIV:MONTREAT LOT:67 PLAT:0016-0092
Legal SubdivisionMONTREAT
Legal Lot Number67
JurisdictionBUNCOMBE NC
Township / Civil DivisionBLACK MOUNTAIN
Census Block Group1
Census Block1041
Census Tract3106

Owner

120 Virginia Rd is owned by two individuals who bought it in February 2020.

Source: Buncombe County records, as of September 24, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address1629 CATAWBA ST, COLUMBIA, SC 29205-2932
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 10, 2020 · Amount on File
Deed SaleFeb 10, 2020 · Amount on File
Deed Document Number0005862818
Deed Book / Page5862 / 818
Record UpdatedJun 8, 2026

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBUNCOMBE NC
Recording DateFeb 10, 2020
Property Address120 VIRGINIA AVE, BLACK MOUNTAIN, NC 28711
Document Number0058620818
Book / Page005862 / 000818
Instrument DateFeb 10, 2020
Transaction TypeTransfer
Record UpdatedFeb 27, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$640.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2812 WHEAT ST COLUMBIA SC 292052516, COLUMBIA, SC 29205-2516

Mortgage

Document Number58620822
DateFeb 10, 2020
Book Page005862/000822
Lender
NameSIMPLIFIED MTG SOLUTIONS LLC
Address110 MINISTRY DR # A, IRMO, SC 29063-2365
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueFeb 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 120 Virginia Rd was $1,373.

Source: Buncombe County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyBuncombe County
MunicipalityMontreat Town
Unified School DistrictBuncombe County Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,373.00$126,800
2023$2,683.00$259,300$259,300 Land $96,600 Building $162,700
2021$126,800 Land $96,600 Building $30,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 120 Virginia Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 23 policies
Nearby Flood Policies23 in force
Nearby Flood Claims11 (2004–2024)
Most Recent ClaimSep 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

Wildfire risk around 120 Virginia Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemMONTREAT WATER SYSTEM
serves 798 people · EPA ID NC0111484
Water SourceGroundwater
Last State InspectionAug 2024
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
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

ProviderMax 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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