Buncombe County property record for 286 School Rd E, Asheville, NC 28803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,300 sqft · built 1964 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $193,000 (Mar 2004) |
| Tax Bill | $2,241 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 706536-2020-202 |
| Primary APN | 706536-2020-202 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,300 sqft Living Area |
| Gross Area | 3,440 sqft |
| 1st Floor Area | 1,962 sqft |
| Basement Area | 1,350 sqft |
| Finished Basement | 338 sqft |
| Unfinished Basement | 1,012 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 61,420 sqft (1.41 acres) |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 224 sqft |
| Patio Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 706536-2020-202 |
|---|---|
| Street Address | 286 SCHOOL RD E |
| City | ASHEVILLE |
| State | NC |
| Zip | 28803-9692 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | SUBDIV: E G CARRIER HEIRS BLOCK: LOT: SECTION: PLAT: 0019-0016 |
| Legal Subdivision | E G CARRIER HEIRS |
| Legal Block | 1 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | ASHEVILLE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 2102 |
Source: Buncombe County records, as of May 5, 2026
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 |
|---|---|
| Mailing Address | 286 SCHOOL RD E, ASHEVILLE, NC 28803-9692 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Aug 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Feb 11, 2020 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2004 · Amount on Record |
| Deed Sale | Mar 17, 2004 · Amount on Record |
| Prior Sale | Jun 19, 1997 |
| Deed Book / Page | 3579 / 818 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Apr 24, 2026 |
| Property Address | 286 SCHOOL RD E, ASHEVILLE, NC 28803-9692 |
| Document Number | 6586001826 |
| Book / Page | 6586 / 1826 |
| Instrument Date | Mar 24, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE RECORDING |
| Name | Verified Name |
|---|---|
| Address | 286 SCHOOL RD E, ASHEVILLE, NC 28803-9692 |
| Document Number | 6586001826, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 6586/1826 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 286 SCHOOL RD E, ASHEVILLE, NC 28803-9692 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0061131144 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 6113/1144 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 286 SCHOOL RD E, ASHEVILLE, NC 28803-9692 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0058621739 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 5862/1739 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Feb 1, 2040 |
Source: Buncombe County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,241.00 (+15.28%) | $330,700 (-) Land $62,100 Building $268,600 | $330,700 (-) Land $62,100 Building $268,600 |
| 2024 | $1,944.00 (-3.67%) | ||
| 2023 | $2,018.00 | $330,700 | $330,700 (-) Land $62,100 Building $268,600 |
| 2021 | $330,700 Land $62,100 Building $268,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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