20 Rustling Pine Trl, Black Mountain, NC 28711 Property Records

Buncombe County property record for 20 Rustling Pine Trl, Black Mountain, NC 28711

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 3 ba · 1,456 sqft · built 2022
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Aug 2023)
Tax Bill	$2,800 (2025)
Deeds & Mortgages	Aug 2023 Sale & Construction Loan Jul 2019 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`0618-59-7656-00000`

Property Details

APN / Parcel Number

Primary APN	`0618-59-7656-00000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,456 sqft Living Area
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft
Utility Area	1,041 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2022
Architectural Style	Modular
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.289 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	20 RUSTLING PINE TRL
City	BLACK MOUNTAIN
State	NC
Zip	28711-9305
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	DEED DATE:08/11/2023 DEED
Legal Description	DEED DATE:08/11/2023 DEED:6341-1993 SUBDIV:HENSLEY-RAND & ASSOCIATES LOT:3 PLAT:0135-0007
Legal Subdivision	HENSLEY-RAND AND ASSOCIATES
Legal Tract	B
Legal Lot Number	3
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	3
Census Block	3054
Census Tract	3105

Owner

Source: Buncombe County records, as of September 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10 E KEESLER ST # F, F, BLACK MOUNTAIN, NC 28711
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Warranty Deed, Construction Loan · Construction Mortgage TD BANK NA
Jul 2, 2019	Warranty Deed, Transfer · Construction Mortgage JDB HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	0063411993
Deed Book / Page	6341 / 1993
Record Updated	Jun 7, 2026

August 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Aug 11, 2023
Property Address	20 RUSTLING PINE TRL, BLACK MOUNTAIN, NC 28711-9305
Document Number	0063411993
Book / Page	6341 / 1993
Map Reference	MB 236 PG 140
Instrument Date	Aug 7, 2023
Transaction Type	Construction Loan
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1263, MONTREAT, NC 28757-1263

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RUSTLING PINE TRL, BLACK MOUNTAIN, NC 28711-9305

Mortgage

Document Number	0000063421
Date	Aug 11, 2023
Instrument	6342/1

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 2, 2019
Property Address	20 RUSTLING PINE TRL, BLACK MOUNTAIN, NC 28711-9305
Document Number	0057860042
Book / Page	005786 / 000042
Instrument Date	Jun 24, 2019
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14 WHITE OAK RD ASHEVILLE NC 288032923, ASHEVILLE, NC 28803-2923

Mortgage

Document Number	57860045
Date	Jul 2, 2019
Book Page	005786/000045

Lender

Name	JDB HOLDINGS LLC
Address	PO BOX 31486, CHARLOTTE, NC 28231-1486

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2020

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Buncombe County
Municipality	Black Mountain Town
Unified School District	Buncombe County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,800.00 (+70.01%)	$322,800 (+60.44%)
2023	$1,647.00 (+421.2%)	$201,200 (+404.26%)	$201,200 (+404.26%) Land $39,900 Building $161,300
2022	$316.00	$39,900	$39,900 (-87.64%) Land $39,900
2021			$322,800 Land $39,900 Building $282,900

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 April 9, 2025 · 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
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
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 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.05% 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 BLACK MOUNTAIN serves 11,976 people · EPA ID NC0111020
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	9 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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