190 Old River Rd, Brevard, NC 28712 Property Records

Transylvania County property record for 190 Old River Rd, Brevard, NC 28712

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,914 sqft · built 1947
Lot Size	9.24 acres (402,494 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (May 2017)
Tax Bill	$4,529 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8595-14-5120-000`

Property Details

APN / Parcel Number

Primary APN	`8595-14-5120-000`
Alternative APN	`60089000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	3,914 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	402,494 sqft (9.24 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	60089000
Street Address	190 OLD RIVER RD
City	BREVARD
State	NC
Zip	28712-0456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR-1 OFF HWY 276
Legal Subdivision	WEST COLE LAND
Legal Tract	1
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	BREVARD
Census Block Group	3
Census Block	3030
Census Tract	960301

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	190 OLD RIVER RD, BREVARD, NC 28712-0456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 26, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on Record
Deed Sale	May 22, 2017 · Amount on Record
Prior Sale	May 22, 2017 · Amount on Record
Deed Document Number	20172620
Deed Book / Page	804 / 5
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	190 OLD RIVER RD, BREVARD, NC 28712-0456
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 OLD RIVER RD, BREVARD, NC 28712-0456

Mortgage

Document Number	0011650398
Date	Oct 3, 2025
Book Page	1165/398
Instrument	2025004708

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 26592, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	190 OLD RIVER RD, BREVARD, NC 28712-0456
Transaction Type	Mortgage
Record Updated	Mar 9, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010250141
Date	Feb 24, 2022
Book Page	1025/141
Instrument	2022001198

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	190 OLD RIVER RD, BREVARD, NC 28712-0456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009110575
Date	Feb 26, 2020
Book Page	911/575
Instrument	2020001006

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,529.00 (+11.06%)	$942,650 (+52.16%)	$1,004,970 (+47.35%) Land $126,590 Building $878,380
2023	$4,078.00	$619,520	$682,010 Land $126,590 Building $555,420

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 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 and 4G LTE (outdoors only)

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