Buncombe County property record for 3 Nectar Way, Swannanoa, NC 28778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,374 sqft · built 2015 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Sep 2020) |
| Tax Bill | $2,697 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Sep 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9689-27-4403-00000 |
| Primary APN | 9689-27-4403-00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,374 sqft Living Area |
| Gross Area | 2,112 sqft |
| 1st Floor Area | 2,112 sqft |
| Basement Area | 1,742 sqft |
| Finished Basement | 512 sqft |
| Unfinished Basement | 1,230 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Architectural Style | Conventional |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Garage Area | 368 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3 NECTAR WAY |
|---|---|
| City | SWANNANOA |
| State | NC |
| Zip | 28778-0370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE:09/03/2020 DEED |
| Legal Description | DEED DATE:09/03/2020 DEED:5944-0271 SUBDIV:BEE TREE VILLAGE LOT:19 PLAT:0165-0069 |
| Legal Subdivision | BEE TREE VILLAGE |
| Legal Lot Number | 19 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | SWANNANOA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 3002 |
3 Nectar Way is owned and occupied by an individual who bought it in September 2020.
Source: Buncombe County records, as of September 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 NECTAR WAY, SWANNANOA, NC 28778-0370 |
| 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.
| Date | Document |
|---|---|
| Jan 11, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA |
| Sep 4, 2019 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Sep 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2020 · Amount on File |
| Deed Sale | Sep 3, 2020 · Amount on File |
| Prior Sale | Dec 18, 2015 · Amount on File |
| Deed Document Number | 0005944271 |
| Deed Book / Page | 5944 / 271 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 3 NECTAR WAY, SWANNANOA, NC 28778-0370 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3 NECTAR WAY, SWANNANOA, NC 28778-0370 |
| Document Number | 0063771477 |
|---|---|
| Date | Jan 11, 2024 |
| Book Page | 6377/1477 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 3 NECTAR WAY, SWANNANOA, NC 28778-0370 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058070402 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 5807/0402 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | BLACK MOUNTAIN, NC 28711 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Sep 3, 2020 |
| Property Address | 3 NECTAR WAY, SWANNANOA, NC 28778-0370 |
| Document Number | 0059440271 |
| Book / Page | 5944 / 271 |
| Map Reference | MB 165 PG 69&70 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $740.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4017 LITTLE RIVER RD, 4017, HENDERSONVILLE, NC 28739-8317 |
| Name | Verified Name |
|---|---|
| Address | 3 NECTAR WAY, SWANNANOA, NC 28778-0370 |
| Document Number | 5944274 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 5944/274 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 3 Nectar Way was $2,697.
Source: Buncombe County assessment roll, as of January 1, 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 | $2,697.00 | $387,300 | |
| 2023 | $2,470.00 | $387,300 | $387,300 Land $63,300 Building $324,000 |
| 2021 | $387,300 Land $63,300 Building $324,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Nectar Way in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 2018.
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 File median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 35 (2018–2024) |
| Claims Outside the SFHA | 7 of 35 |
| Most Recent Claim | Oct 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.
Wildfire risk around 3 Nectar Way is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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: 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 96 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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