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131 Clay St, Fairview, NC 28730 Property Records

Buncombe County property record for 131 Clay St, Fairview, NC 28730

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,737 sqft · built 2018
Lot Size0.489 acres (21,344 sqft)
Owner2 Individual Names on Record
Last Sale$55,000 (Jun 2018)
Tax Bill$2,740 (2025)
Deeds & MortgagesMar 2020 Mortgage
Jul 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN9686-14-6822-00000

Property Details

APN / Parcel Number

Primary APN9686-14-6822-00000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,737 sqft Living Area
1st Floor Area1,737 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Architectural StyleConventional
Foundation TypePier/Post & Beam
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area21,344 sqft (0.489 acres)
Garage Area529 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Deck Area60 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address131 CLAY ST
CityFAIRVIEW
StateNC
Zip28730-0198
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeDEED DATE:06/01/2018 DEED
Legal DescriptionDEED DATE:06/01/2018 DEED:5669-1125 LOT:5 PLAT:0217-0176
Legal SubdivisionMAJESTIC OAKS/FAIRVIEW
Legal Lot Number5
JurisdictionBUNCOMBE NC
Township / Civil DivisionFAIRVIEW
Census Block Group3
Census Block3021
Census Tract3203

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 Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address131 CLAY ST, FAIRVIEW, NC 28730-0198
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 4, 2020Deed of Trust, Mortgage · Conventional Mortgage
ALCOVA MORTGAGE LLC
Jul 15, 2020Deed of Trust, Mortgage · Line of Credit
FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 1, 2018 · Amount on Record
Deed SaleJun 1, 2018 · Amount on Record
Deed Document Number0056691125
Deed Book / Page5669 / 1125
Record UpdatedJun 8, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUNCOMBE NC
Property Address131 CLAY ST, FAIRVIEW, NC 28730-0198
Transaction TypeMortgage
Record UpdatedAug 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058710053
DateMar 4, 2020
Book Page5871/53
Lender
NameALCOVA MORTGAGE LLC
TypeMortgage Company
AddressROANOKE, VA 24011
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2050

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUNCOMBE NC
Property Address131 CLAY ST, FAIRVIEW, NC 28730-0198
Transaction TypeMortgage
Record UpdatedAug 22, 2022
Title CompanySTEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0059220872
DateJul 15, 2020
Book Page5922/872
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressRALEIGH, NC 27611
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,740.00 (+9.86%)$387,900 (-)
2023$2,494.00$387,900$387,900 (-) Land $55,400 Building $332,500
2021$387,900 Land $55,400 Building $332,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims4 (1998–2024)
Claims Outside the SFHA1 of 4
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 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 RiskModerate
above 43% of the US · above 64% 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 SystemCITY OF ASHEVILLE
serves 157,431 people · EPA ID NC0111010
Water SourceSurface water
Last State InspectionApr 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Oct 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 104 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Skyrunner
Fixed Wireless		500 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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