286 Cheulah Rd, Brevard, NC 28712 Property Records

Transylvania County property record for 286 Cheulah Rd, Brevard, NC 28712

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,896 sqft · built 1977
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Apr 2017)
Tax Bill	$4,084 (2026)
Deeds & Mortgages	Nov 2018 Line of Credit Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8583-21-9547-000`

Property Details

APN / Parcel Number

Primary APN	`8583-21-9547-000`
Alternative APN	`70456550`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,896 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2005
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	13,068 sqft (0.3 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70456550
Street Address	286 CHEULAH RD
City	BREVARD
State	NC
Zip	28712-8439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	U22 L016 CHEULAH RD .35
Legal Subdivision	CONNESTEE FALLS DEVELOPMENT
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	DUNNS ROCK
Census Block Group	3
Census Block	3004
Census Tract	960403

Owner

286 Cheulah Rd is owned and occupied by two individuals who bought it in April 2017.

Source: Transylvania County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	286 CHEULAH RD, BREVARD, NC 28712-8439
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
Nov 13, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Oct 5, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO
Apr 6, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2017 · Amount on File
Deed Sale	Apr 6, 2017 · Amount on File
Prior Sale	Aug 11, 2015 · Amount on File
Deed Document Number	20171803
Deed Book / Page	800 / 60
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	286 CHEULAH RD, BREVARD, NC 28712-8439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY NON C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008620215
Date	Nov 13, 2018
Book Page	862/215
Instrument	2018005837

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	286 CHEULAH RD, BREVARD, NC 28712-8439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY NON C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008580499
Date	Oct 5, 2018
Book Page	858/499
Instrument	2018005156

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.1%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.1%
Index	1-Year LIBOR
Max Rate	10.1%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Apr 6, 2017
Property Address	286 CHEULAH RD, BREVARD, NC 28712-8439
Document Number	0008000060
Book / Page	800 / 060
Map Reference	FILE 16 SL 492
Instrument Date	Apr 3, 2017
Instrument	2017001803
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7204 SOUTHGATE CT, 7204, SARASOTA, FL 34243-5330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 CHEULAH RD, BREVARD, NC 28712-8439

Mortgage

Document Number	2017001804
Date	Apr 6, 2017
Instrument	2017001804

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 286 Cheulah Rd was $4,084.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,084.00	$851,400 Land $200,000 Building $651,400	$851,400 Land $200,000 Building $651,400
2023	$3,511.00	$530,650 Land $200,000 Building $330,650	$530,650 Land $200,000 Building $330,650

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

Flood

FEMA maps place 286 Cheulah Rd in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 286 Cheulah Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CONNESTEE FALLS private · serves 3,532 people · EPA ID NC0188104
Water Source	Groundwater
Last State Inspection	May 2024
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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200

Cell Coverage

4G LTE (outdoors only), no 5G reported

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