20 James St, Brevard, NC 28712 Property Records

Transylvania County property record for 20 James St, Brevard, NC 28712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,060 sqft · built 2023
Owner	2 Company Names on Record
Last Sale	$640,000 (Aug 2024)
Tax Bill	$2,594 (2026)
Deeds & Mortgages	Jul 2025 Transfer Aug 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8586-32-3008-000`

Property Details

APN / Parcel Number

Primary APN	`8586-32-3008-000`
Alternative APNs	`70501200` `70612200` `70634350`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,060 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Shingles
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70634350
Street Address	20 JAMES ST
City	BREVARD
State	NC
Zip	28712-3780
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L1 JAMES ST
Legal Subdivision	JAMES STREET SUBDIVISION
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	BREVARD
Census Block Group	1
Census Block	1049
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 Company Names on Record
Mailing Address	20 JAMES ST, BREVARD, NC 28712-3780
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2025	Intrafamily Transfer, Transfer
Aug 16, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU
Mar 18, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Deed Document Number	20243910
Deed Book / Page	1124 / 471
Last Transfer Date	Jul 10, 2025
Transfer Doc	0011580225
Record Updated	Oct 29, 2026

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TRANSYLVANIA NC
Recording Date	Jul 31, 2025
Property Address	20 JAMES ST, BREVARD, NC 28712-3780
Document Number	0011580225
Book / Page	1158 / 225
Map Reference	FILE 22 SL 31
Instrument Date	Jul 10, 2025
Instrument	2025003569
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 JAMES ST, BREVARD, NC 28712-3780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JAMES ST, BREVARD, NC 28712-3780

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Aug 16, 2024
Property Address	20 JAMES ST, BREVARD, NC 28712-3780
Document Number	0011240471
Book / Page	1124 / 471
Map Reference	FILE 22 SL 31
Instrument Date	Aug 8, 2024
Instrument	2024003910
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 63, BREVARD, NC 28712-0063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JAMES ST, BREVARD, NC 28712-3780

Mortgage

Document Number	2024003911
Date	Aug 16, 2024
Instrument	2024003911

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	7.99%
Index	1-Year CMT
Max Rate	10.9%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Mar 18, 2021
Property Address	20 JAMES ST, BREVARD, NC 28712-3780
Document Number	0009720166
Book / Page	972 / 166
Map Reference	FILE 10 SL 792
Instrument Date	Mar 17, 2021
Instrument	2021002150
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 PARK AVE, BREVARD, NC 28712-3993

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 63, BREVARD, NC 28712-0063

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,594.00	$632,110 (-) Land $60,000 Building $572,110	$632,110 (-) Land $60,000 Building $572,110
2025	$2,594.00	$632,110 Land $60,000 Building $572,110	$632,110 Land $60,000 Building $572,110

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
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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Vyve Broadband.

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