191 Main St, Rosman, NC 28772 Property Records

Transylvania County property record for 191 Main St, Rosman, NC 28772

Property Summary

Property Type	Other Improved
Details	2 ba · 4,000 sqft · built 1979
Lot Size	0.21 acres (9,022 sqft)
Owner	Company Name on Record
Tax Bill	$3,276 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`8552-79-3126-000`

Property Details

APN / Parcel Number

Primary APN	`8552-79-3126-000`
Alternative APN	`70520650`

Interior

Full Baths	2 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Building Area	4,000 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,022 sqft (0.21 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70520650
Street Address	191 MAIN ST
City	ROSMAN
State	NC
Zip	28772
Property Category	Other
Property Type	Other > Other Improved
Legal Description	PT L56 & L58 BROAD ST
Legal Subdivision	ROSMAN REALTY COMPANY SUBDIVISION
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	CATHEYS CREEK
Census Block Group	2
Census Block	2050
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	Company Name on Record
Mailing Address	PO BOX 551, ROSMAN, NC 28772-0551
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Apr 26, 2021	Warranty Deed, Transfer · Line of Credit UNITED COMMUNITY BANK
Nov 5, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2004
Deed Sale	Jul 1, 2004
Deed Book / Page	244 / 93
Last Transfer Date	Sep 28, 2020
Transfer Doc	0009480770
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	191 MAIN ST, ROSMAN, NC 28772
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 JC CHAPMAN RD, ROSMAN, NC 28772

Mortgage

Document Number	0009790011
Date	Apr 26, 2021
Book Page	979/11
Instrument	2021003242

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BREVARD, NC 28712

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	37 Months
Due	May 1, 2024

Interest

Rate Type	Adjustable Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Apr 26, 2021
Property Address	191 MAIN ST, ROSMAN, NC 28772
Document Number	0009780825
Book / Page	978 / 825
Map Reference	MB 3 PG 14
Instrument Date	Apr 26, 2021
Instrument	2021003239
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 551, ROSMAN, NC 28772-0551

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 JC CHAPMAN RD, ROSMAN, NC 28772

Mortgage

Document Number	2021003240
Date	Apr 26, 2021
Instrument	2021003240

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	85 Months
Due	May 1, 2028

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Nov 5, 2020
Property Address	191 MAIN ST, ROSMAN, NC 28772
Document Number	0009480770
Book / Page	000948 / 000770
Instrument Date	Sep 28, 2020
Instrument	6868
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX BIX 552 ROSMAN NC 28772, ROSMAN, NC 28772

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	$3,276.00	$409,360 (+62.56%) Land $75,000 Building $334,360	$409,360 (+62.56%) Land $75,000 Building $334,360
2023		$251,820 Land $100,000 Building $151,820	$251,820 Land $100,000 Building $151,820

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% 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.

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.

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