170 Main St, Rosman, NC 28772 Property Records

Transylvania County property record for 170 Main St, Rosman, NC 28772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,146 sqft · built 1925
Lot Size	0.75 acres (32,837 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,692 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`8552-79-0146-000`

Property Details

APN / Parcel Number

Primary APN	`8552-79-0146-000`
Alternative APN	`20566000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,146 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	32,837 sqft (0.75 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	20566000
Street Address	170 MAIN ST
City	ROSMAN
State	NC
Zip	28772-5000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROAD & LOCUST
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	CATHEYS CREEK
Census Block Group	2
Census Block	2045
Census Tract	960502

Owner

Source: Transylvania County records, as of October 13, 2026

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
Mailing Address	PO BOX 187, ROSMAN, NC 28772-0187
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2001
Deed Sale	May 1, 2001
Deed Book / Page	50 / 652
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	170 MAIN ST, ROSMAN, NC 28772
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 MAIN ST, ROSMAN, NC 28772

Mortgage

Document Number	0010020412
Date	Sep 21, 2021
Book Page	1002/412
Instrument	2021007237

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BREVARD, NC 28712

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 10, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	170 MAIN ST, ROSMAN, NC 28772
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009710695
Date	Mar 17, 2021
Book Page	971/695
Instrument	2021002092

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

Tax Assessment & Valuation

Source: Transylvania County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Transylvania County
Municipality	Rosman Town
Unified School District	Transylvania County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,692.00 (+4.22%)	$336,330 (+45.61%) Land $30,000 Building $306,330	$336,330 (+45.61%) Land $30,000 Building $306,330
2023	$2,583.00	$230,980 Land $30,000 Building $200,980	$230,980 Land $30,000 Building $200,980

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 June 26, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (2021–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.06% 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	TOWN OF ROSMAN serves 650 people · EPA ID NC0188115
Water Source	Groundwater
Last State Inspection	May 2024
Lead	4 ppb (2026) action level 15 ppb
Copper	1.54 mg/L (2023–2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2023 Lead service line inventory Oct 2024
Monitoring and Reporting	13 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 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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