203 E College St, Black Mountain, NC 28711 Property Records

Buncombe County property record for 203 E College St, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,584 sqft · built 1954
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Sep 1997)
Tax Bill	$2,890 (2025)
Deeds & Mortgages	Jul 2021 Reverse Mortgage Jul 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`747191-2020-202`

Property Details

APN / Parcel Number

Primary APN	`747191-2020-202`
Alternative APNs	`0609-95-8060-00000` `060916947994000` `008117917`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	747191-2020-202
Street Address	203 E COLLEGE ST
City	BLACK MOUNTAIN
State	NC
Zip	28711-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR-8
Legal Description	SUBDIV: HOLMAN CHRISTIAN UNIVERSITY LOT: 14 15 & 16 BLOCK: G SECTION: 01 PLAT: 0198-0020
Legal Subdivision	HOLMAN CHRISTIAN UNIVERSITY
Legal Block	G
Legal Lot Number	14
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	3
Census Block	3024
Census Tract	3107

Owner

203 E College St is owned and occupied by two individuals who acquired it in April 2018.

Source: Buncombe County records, as of September 22, 2025

Owner of Record	2 Individual Names on File
Mailing Address	203 E COLLEGE ST, BLACK MOUNTAIN, NC 28711-2716
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 15, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 19, 2018	Reverse Mortgage, Transfer · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 1997 · Amount on File
Deed Sale	Sep 6, 1997 · Amount on File
Deed Document Number	19971
Deed Book / Page	1986 / 415
Last Transfer Date	Apr 18, 2018
Transfer Doc	0056551702
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	203 E COLLEGE ST, BLACK MOUNTAIN, NC 28711-2716
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E COLLEGE ST, BLACK MOUNTAIN, NC 28711-2716

Mortgage

Document Number	0060931306
Date	Jul 15, 2021
Book Page	6093/1306

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	935 Months
Due	Jun 18, 2099

Interest

Rate Type	Adjustable Rate
Rate	2.15%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Index	1-Year CMT

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	203 E COLLEGE ST, BLACK MOUNTAIN, NC 28711-2716
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E COLLEGE ST, BLACK MOUNTAIN, NC 28711-2716

Mortgage

Document Number	0060931320
Date	Jul 15, 2021
Book Page	6093/1320

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	935 Months
Due	Jun 18, 2099

Interest

Rate Type	Adjustable Rate
Rate	2.15%
Type Change Date	Sep 1, 2021
Change Frequency	Monthly
Index	1-Year CMT

April 2018: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	BUNCOMBE NC
Recording Date	Apr 19, 2018
Property Address	203 E COLLEGE ST, BLACK MOUNTAIN, NC 28711-2716
Document Number	0056551702
Book / Page	005655 / 001702
Instrument Date	Apr 18, 2018
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	FNC TITLE SERVICES

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E COLLEGE ST BLACK MOUNTAIN NC 287112716, BLACK MOUNTAIN, NC 28711-2716

Mortgage

Document Number	56551704
Date	Apr 19, 2018
Book Page	005655/001704

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	972 Months
Due	Apr 18, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.94%

Mortgage

Document Number	56551718,
Date	Apr 19, 2018
Book Page	005655/001718

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	972 Months
Due	Apr 18, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.94%

Tax Assessment & Valuation

The 2025 property tax bill for 203 E College St was $2,890, up 3.4% from the year before.

Source: Buncombe County assessment roll, as of September 22, 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	$2,890.00 (+3.44%)	$333,200 Land $82,900 Building $250,300	$333,200 Land $82,900 Building $250,300
2024	$2,794.00 (+2.42%)
2023	$2,728.00	$333,200	$333,200 Land $82,900 Building $250,300
2021			$333,200 Land $82,900 Building $250,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 203 E College St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 203 E College St is low, with a 0.03% annual chance of 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	0.03% 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	CITY OF ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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