15 Lance Rd, Candler, NC 28715 Property Records

Buncombe County property record for 15 Lance Rd, Candler, NC 28715

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,836 sqft · built 2009
Lot Size	0.79 acres (34,412 sqft)
Owner	Individual Name on File
Tax Bill	$1,866 (2025)
Deeds & Mortgages	May 2019 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`734485-2020-202`

Property Details

APN / Parcel Number

Primary APN	`734485-2020-202`
Alternative APNs	`8686-93-9273-00000` `868604938183000` `008235242`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,836 sqft Living Area
Gross Area	2,768 sqft
1st Floor Area	1,836 sqft
Utility Area	884 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Modular
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,412 sqft (0.79 acres)
Deck Area	24 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	734485-2020-202
Street Address	15 LANCE RD
City	CANDLER
State	NC
Zip	28715-9150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OU
Legal Description	SUBDIV: DANIEL R & DENISE VANSELOW PROP LOT: 4 PLAT: 0051-0150
Legal Subdivision	DANIEL R & DENISE VANSELOW PROP
Legal Block	2
Legal Lot Number	4
Jurisdiction	BUNCOMBE NC
Township / Civil Division	UPPER HOMINY
Census Block Group	2
Census Block	2004
Census Tract	2401

Owner

15 Lance Rd is owned and occupied by an individual who acquired it in March 2019.

Source: Buncombe County records, as of September 22, 2025

Owner of Record	Individual Name on File
Mailing Address	15 LANCE RD, CANDLER, NC 28715-9150
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 17, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 13, 2019	Deed of Trust, Mortgage · FHA Mortgage SUNTRUST BK
Mar 18, 2019	Intrafamily Transfer, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 12, 2019
Transfer Doc	0057521781
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	15 LANCE RD, CANDLER, NC 28715-9150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057711178
Date	May 17, 2019
Book Page	5771/1178

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	ASHEVILLE, NC 28816

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	15 LANCE RD, CANDLER, NC 28715-9150
Document Number	0058101226
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LINGO DR CANDLER NC 28715, CANDLER, NC 28715

Mortgage

Document Number	0058101226
Date	Sep 13, 2019
Book Page	005810/001226

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2049

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUNCOMBE NC
Recording Date	Mar 18, 2019
Property Address	15 LANCE RD, CANDLER, NC 28715-9150
Document Number	0057521781
Book / Page	5752 / 1781
Map Reference	MB 51 PG 150
Instrument Date	Mar 12, 2019
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LANCE RD, CANDLER, NC 28715-9150

Mortgage

Document Number	57521785
Date	Mar 18, 2019
Instrument	5752/1785

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 15 Lance Rd was $1,866, up 6.4% from the year before.

Source: Buncombe County assessment roll, as of September 22, 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	$1,866.00 (+6.39%)	$248,000 Land $20,900 Building $227,100	$248,000 Land $20,900 Building $227,100
2024	$1,754.00 (+2.81%)
2023	$1,706.00	$248,000	$248,000 Land $35,900 Building $212,100
2021			$248,000 Land $20,900 Building $227,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Lance Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims Remnants Of Tropical Storm Fred, Aug 2021 · 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

Wildfire risk around 15 Lance Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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