197 Tip Top Rd, Brevard, NC 28712 Property Records

Transylvania County property record for 197 Tip Top Rd, Brevard, NC 28712

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,329 sqft · built 1989
Lot Size	1.43 acres (62,237 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,500 (Nov 2025)
Tax Bill	$1,902 (2026)
Deeds & Mortgages	Nov 2025 Sale Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8575-95-1360-000`

Property Details

APN / Parcel Number

Primary APN	`8575-95-1360-000`
Alternative APNs	`70324480` `70580440` `70640760`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,329 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	62,237 sqft (1.43 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70640760
Street Address	197 TIP TOP RD
City	BREVARD
State	NC
Zip	28712-4699
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIP TOP RD L 2
Legal Subdivision	ROCKY HILL ESTATES
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	BREVARD
Census Block Group	1
Census Block	1055
Census Tract	960201

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	197 TIP TOP RD, BREVARD, NC 28712-4699
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Warranty Deed, Transfer
Mar 21, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Apr 19, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
May 6, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Apr 19, 2023 · Amount on Record
Deed Document Number	20255403
Deed Book / Page	1169 / 300
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Nov 14, 2025
Property Address	197 TIP TOP RD, BREVARD, NC 28712-4699
Document Number	0011690300
Book / Page	1169 / 300
Map Reference	FILE 1 SL 120-AB
Instrument Date	Nov 14, 2025
Instrument	2025005403
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Tax	$931.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1026 CAMPBELL DR, PISGAH FOREST, NC 28768-8584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 TIP TOP RD, BREVARD, NC 28712-4699

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	197 TIP TOP RD, BREVARD, NC 28712-4699
Transaction Type	Mortgage
Record Updated	Apr 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 TIP TOP RD, BREVARD, NC 28712-4699

Mortgage

Document Number	0011080785
Date	Mar 21, 2024
Book Page	1108/785
Instrument	2024001252

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2054

Interest

Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Apr 19, 2023
Property Address	197 TIP TOP RD, BREVARD, NC 28712-4699
Document Number	0010750641
Book / Page	1075 / 641
Map Reference	FILE 1 SL 120-AB
Instrument Date	Apr 13, 2023
Instrument	2023001874
Transaction Type	Transfer
Record Updated	May 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$764.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 LEATHERWOOD RD, WHITE BLUFF, TN 37187-5300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 TIP TOP RD, BREVARD, NC 28712-4699

Mortgage

Document Number	2023001875
Date	Apr 19, 2023
Instrument	2023001875

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	197 TIP TOP RD, BREVARD, NC 28712-4699
Transaction Type	Mortgage
Record Updated	May 17, 2022
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 TIP TOP RD, BREVARD, NC 28712-4699

Mortgage

Document Number	0010350747
Date	May 6, 2022
Book Page	1035/747
Instrument	2022002965

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	$1,902.00 (-0.11%)	$395,890 (-) Land $40,000 Building $355,890	$395,890 (-) Land $40,000 Building $355,890
2025	$1,904.00 (+25.68%)	$395,890 (+71.93%) Land $40,000 Building $355,890	$395,890 (+71.93%) Land $40,000 Building $355,890
2023	$1,515.00	$230,260 Land $40,000 Building $190,260	$230,260 Land $40,000 Building $190,260

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
Community Rating System	Class 8 (10% premium discount)
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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% 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	CITY OF BREVARD serves 11,336 people · EPA ID NC0188010
Water Source	Surface water
Last State Inspection	Aug 2025
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	2 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 64 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, Vyve Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tip Top Rd

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