174 Echota Ln, Brevard, NC 28712 Property Records

Transylvania County property record for 174 Echota Ln, Brevard, NC 28712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,821 sqft · built 1999
Lot Size	0.35 acres (15,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Dec 2025)
Tax Bill	$4,201 (2026)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8583-20-4235-000`

Property Details

APN / Parcel Number

Primary APN	`8583-20-4235-000`
Alternative APNs	`70641880` `4085200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,821 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2006
Exterior Material	Shingles
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	15,094 sqft (0.35 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	70641880
Street Address	174 ECHOTA LN
City	BREVARD
State	NC
Zip	28712-8468
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	U05 L030 ECHOTA LANE
Legal Subdivision	CONNESTEE FALLS DEV 05
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	DUNNS ROCK
Census Block Group	3
Census Block	3004
Census Tract	960403

Owner

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

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 Record	2 Individual Names on Record
Mailing Address	659 N MOBILE ST, FAIRHOPE, AL 36532-3211
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 4, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Feb 1, 1998 · Amount on Record
Deed Document Number	20255753
Deed Book / Page	1171 / 279
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	174 ECHOTA LN, BREVARD, NC 28712-8468
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 ECHOTA LN, BREVARD, NC 28712-8468

Mortgage

Document Number	0010250707
Date	Feb 28, 2022
Book Page	1025/707
Instrument	2022001289

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	787 Months
Due	Sep 29, 2087

Interest

Rate Type	Adjustable Rate
Rate	3.53%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.53%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Dec 4, 2025
Property Address	174 ECHOTA LN, BREVARD, NC 28712-8468
Document Number	0011710279
Book / Page	1171 / 279
Map Reference	MB 4 PG 65-65C
Instrument Date	Nov 20, 2025
Instrument	2025005753
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 LAKE CLUB CIR, HENDERSONVILLE, NC 28792-4877

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 N MOBILE ST, FAIRHOPE, AL 36532-3211

Mortgage

Document Number	2025005754
Date	Dec 4, 2025
Instrument	2025005754

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,201.00 (-0.14%)	$874,460 (-) Land $200,000 Building $674,460	$874,460 (-) Land $200,000 Building $674,460
2025	$4,207.00 (+2.58%)	$874,460 (+40.6%) Land $200,000 Building $674,460	$874,460 (+40.6%) Land $200,000 Building $674,460
2023	$4,101.00	$621,950 Land $150,000 Building $471,950	$621,950 Land $150,000 Building $471,950

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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	CONNESTEE FALLS private · serves 3,532 people · EPA ID NC0188104
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable · Fiber in parts of the area	2,000 / 200

Cell Coverage

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

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