Buncombe County property record for 290 Pine St, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,641 sqft · built 2022 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $30,000 (Jun 2007) |
| Tax Bill | $2,617 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 651812-2020-202 |
| Primary APN | 651812-2020-202 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,641 sqft Living Area |
| 1st Floor Area | 1,317 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Type | Carport |
| Garage Area | 456 sqft |
| Carport | Carport |
| Carport Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 180 sqft |
| Patio Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 651812-2020-202 |
|---|---|
| Street Address | 290 PINE ST |
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-9216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SUBDIV: RIDGECREST LOT: PT 309 PLAT: 0213-0125 |
| Legal Subdivision | RIDGECREST |
| Legal Block | 1 |
| Legal Lot Number | 309 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 3105 |
Source: Buncombe County records, as of May 21, 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 | 290 PINE ST, BLACK MOUNTAIN, NC 28711-9216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 23, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STERLING FINANCIAL SERVICES GROUP INC |
| Dec 10, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2007 · Amount on Record |
| Deed Sale | Jun 21, 2007 · Amount on Record |
| Deed Book / Page | 4423 / 447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 290 PINE ST, BLACK MOUNTAIN, NC 28711-9216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 290 PINE ST, BLACK MOUNTAIN, NC 28711-9216 |
| Document Number | 0065501897 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | 6550/1897 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 326 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 290 PINE ST, BLACK MOUNTAIN, NC 28711-9216 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0062780576 |
|---|---|
| Date | Nov 23, 2022 |
| Book Page | 6278/576 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 290 PINE ST, BLACK MOUNTAIN, NC 28711-9216 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0062030726 |
|---|---|
| Date | Apr 1, 2022 |
| Book Page | 6203/726 |
| Name | STERLING FINANCIAL SERVICES GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | KINSTON, NC 28503 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Dec 10, 2020 |
| Property Address | 290 PINE ST, BLACK MOUNTAIN, NC 28711-9216 |
| Document Number | 0059901911 |
| Book / Page | 005990 / 001911 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 290 PINE ST BLACK MOUNTAIN NC 28711, BLACK MOUNTAIN, NC 28711 |
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 | $2,617.00 (+4.64%) | $400,600 (-10.42%) Land $35,000 Building $365,600 | $400,600 (-10.42%) Land $35,000 Building $365,600 |
| 2024 | $2,501.00 (-7.54%) | ||
| 2023 | $2,705.00 | $447,200 | $447,200 (+11.63%) Land $35,000 Building $412,200 |
| 2021 | $400,600 Land $35,000 Building $365,600 |
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 |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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