204 Pine St, Black Mountain, NC 28711 Property Records

Buncombe County property record for 204 Pine St, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,443 sqft · built 1949
Lot Size	0.419 acres (18,295 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,620 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0619-28-4008-00000`

Property Details

APN / Parcel Number

Primary APN	`0619-28-4008-00000`
Alternative APN	`061905283022000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,443 sqft Living Area
Gross Area	2,405 sqft
1st Floor Area	1,154 sqft
Upper Floors Area	1,443 sqft
Basement Area	962 sqft
Unfinished Basement	962 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.419 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	154 sqft
Deck Area	614 sqft
Patio Area	686 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	061905283022000
Street Address	204 PINE ST
City	BLACK MOUNTAIN
State	NC
Zip	28711-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 01/04/1979 DEE
Legal Description	DEED DATE: 01/04/1979 DEED: 1207-0569 SUBDIV: S F DOUGHERTY HEIRS PROP BLOCK: LOT: PT 3 SECTION: PLAT: 0154-0106
Legal Subdivision	S F DOUGHERTY HEIRS PROP
Legal Lot Number	3
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	4
Census Block	4023
Census Tract	3107

Owner

204 Pine St is owned and occupied by two individuals who acquired it in January 1979.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	204 PINE ST, BLACK MOUNTAIN, NC 28711-3022
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
Sep 26, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 3, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 1979
Deed Sale	Jan 4, 1979
Deed Document Number	0001207569
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	204 PINE ST, BLACK MOUNTAIN, NC 28711-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058150092
Date	Sep 26, 2019
Book Page	5815/0092

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	204 PINE ST, BLACK MOUNTAIN, NC 28711-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058901537
Date	Apr 29, 2020
Book Page	5890/1537

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	204 PINE ST, BLACK MOUNTAIN, NC 28711-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059050140
Date	Jun 3, 2020
Book Page	5905/140

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 204 Pine St was $2,620.

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	$2,620.00	$302,000
2023	$2,473.00	$302,000	$302,000 Land $96,300 Building $205,700
2021			$302,000 Land $96,300 Building $205,700

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

Flood

FEMA maps place 204 Pine 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	5 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 204 Pine 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	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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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