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21 Spruce St, Barnardsville, NC 28709 Property Records

Buncombe County property record for 21 Spruce St, Barnardsville, NC 28709 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,298 sqft · built 1962
Lot Size1.01 acres (43,996 sqft)
OwnerIndividual Name on File
Last Sale$269,500 (Dec 2021)
Tax Bill$492 (2025)
Deeds & MortgagesJun 2026 Mortgage
Sep 2025 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN9775-55-0205-00000

Property Details

APN / Parcel Number

Primary APN9775-55-0205-00000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,298 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Architectural StyleConventional
Foundation TypePier/Post & Beam
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area43,996 sqft (1.01 acres)
Garage Area1,976 sqft
Parking Spaces7 Parking Spaces
PorchOpen Porch
Porch Area222 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHVAC

Location & Zoning

Street Address21 SPRUCE ST
CityBARNARDSVILLE
StateNC
Zip28709-0075
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDEED DATE: 2021-12-15 DEED: 6162-239 SUBDIV: MATT BURLISON BLOCK: LOT: PT 31-34 SECTION: PLAT: 0219-0164
Legal SubdivisionMATT BURLISON
Legal Lot Number31-34
JurisdictionBUNCOMBE NC
Township / Civil DivisionIVY
Census Block Group3
Census Block3017
Census Tract2900

Owner

Source: Buncombe County records · APN 9775-55-0205-00000

Assessment roll updated January 1, 2025 · Last verified October 2025

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

Owner of RecordIndividual Name on File
Mailing Address21 SPRUCE ST, BARNARDSVILLE, NC 28709-0075
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 11, 2026Deed of Trust, Mortgage · FHA Mortgage
VINAL LEGAL GROUP
Sep 18, 2025Deed of Trust, Mortgage · Conventional Mortgage
PRIMIS MORTGAGE CO
Dec 15, 2021Warranty Deed, Transfer · USDA Mortgage
SEATRUST MORTGAGE CO

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 15, 2021 · Amount on Record
Deed SaleDec 15, 2021 · Amount on Record
Deed Document Number0006162239
Deed Book / Page6162 / 239
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUNCOMBE NC
Recording DateJun 11, 2026
Property Address21 SPRUCE ST, BARNARDSVILLE, NC 28709-0075
Document Number6601000668
Book / Page6601 / 668
Instrument DateJun 04, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyVINAL LEGAL GROUP

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 SPRUCE ST, BARNARDSVILLE, NC 28709-0075

Mortgage

Document Number6601000668,
DateJun 11, 2026
Book Page6601/668
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate6.37%
Max Rate-1%

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUNCOMBE NC
Property Address21 SPRUCE ST, BARNARDSVILLE, NC 28709-0075
Transaction TypeMortgage
Record UpdatedOct 01, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address55 DAVIS HILL RD, WEAVERVILLE, NC 28787-6310

Mortgage

Document Number0065251371
DateSep 18, 2025
Book Page6525/1371
Lender
NamePRIMIS MORTGAGE CO
TypeMortgage Company
AddressWILMINGTON, NC 28403
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term12 Months
DueSep 16, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBUNCOMBE NC
Recording DateDec 15, 2021
Property Address21 SPRUCE ST, BARNARDSVILLE, NC 28709-0075
Document Number0061620239
Book / Page6162 / 239
Map ReferenceMB 219 PG 164
Instrument DateDec 01, 2021
Transaction TypeTransfer
Record UpdatedMar 08, 2023

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$539.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1673 LAKEVIEW DR, BUTLER, TN 37640-7371

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 SPRUCE ST, BARNARDSVILLE, NC 28709-0075

Mortgage

Document Number0006162242
DateDec 15, 2021
Instrument6162/242
Lender
NameSEATRUST MORTGAGE CO
TypeMortgage Company
Agreement
TypeUSDA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

Tax Assessment & Valuation

Source: Buncombe County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyBuncombe County
Unified School DistrictBuncombe County Schools (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$492.00 (-61.01%)$64,300 (-63.45%)
2023$1,262.00$175,900$175,900 (+173.56%) Land $27,200 Building $148,700
2021$64,300 Land $12,200 Building $52,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Buncombe County (37021C), updated April 9, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370210029003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
Nearby Flood Claims40 (1995–2024)
Claims Outside the SFHA8 of 40
Most Recent ClaimSep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm
  • Tropical Storm Helene, Sep 2024 · 19 claims
  • Remnants Of Tropical Storm Fred, Aug 2021 · 6 claims
  • Hurricane Ivan, Sep 2004 · 8 claims

Wildfire

Wildfire RiskModerate
above 51% of the US · above 73% of North Carolina
Wildfire LikelihoodAbout 1 in 671 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 61 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
Wilkes Telephone MembershipFiber1,000 / 1,000

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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