Buncombe County property record for 321 Chapel Rd, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,766 sqft · built 2016 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $60,000 (Nov 2012) |
| Tax Bill | $6,782 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0700-70-5344-00000 |
| Primary APN | 0700-70-5344-00000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,766 sqft Living Area |
| Gross Area | 2,926 sqft |
| 1st Floor Area | 2,926 sqft |
| Basement Area | 1,160 sqft |
| Finished Basement | 1,160 sqft |
| Year Built | Built 2016 |
|---|---|
| Architectural Style | Contemporary |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 47,916 sqft (1.1 acres) |
| Terrain | Rolling |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 616 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 008239085 |
|---|---|
| Old Parcel Number | 070004704279000 |
| Street Address | 321 CHAPEL RD |
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-2639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE: 11/15/2012 DEE |
| Legal Description | DEED DATE: 11/15/2012 DEED: 5040-0652 SUBDIV: BLACK MOUNTAIN ESTATES BLOCK: LOT: FUTURE DEVELOPMENT SECTION: PLAT: 0000-0000 |
| Legal Subdivision | BLACK MOUNTAIN ESTATES |
| Legal Lot Number | A |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 3107 |
The current owner of 321 Chapel Rd bought it in November 2012.
Source: Buncombe County records, as of September 24, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 321 CHAPEL RD, BLACK MOUNTAIN, NC 28711-2639 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Mar 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Jan 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2012 · Amount on File |
| Deed Sale | Nov 15, 2012 · Amount on File |
| Prior Sale | Oct 22, 2001 · Amount on File |
| Deed Document Number | 0005040652 |
| Deed Book / Page | 5040 / 652 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 321 CHAPEL RD, BLACK MOUNTAIN, NC 28711-2639 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 321 CHAPEL RD, BLACK MOUNTAIN, NC 28711-2639 |
| Document Number | 0063431541 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 6343/1541 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | BLACK MOUNTAIN, NC 28711 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 321 CHAPEL RD, BLACK MOUNTAIN, NC 28711-2639 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0060281816 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 6028/1816 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 321 CHAPEL RD, BLACK MOUNTAIN, NC 28711-2639 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056290487 |
|---|---|
| Date | Jan 17, 2018 |
| Book Page | 5629/0487 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
The 2025 property tax bill for 321 Chapel Rd was $6,782.
Source: Buncombe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Municipality | Black Mountain Town |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,782.00 | $781,700 | |
| 2023 | $6,402.00 | $781,700 | $781,700 Land $126,400 Building $655,300 |
| 2021 | $781,700 Land $126,400 Building $655,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Chapel Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 2 of 2 |
| 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.
Wildfire risk around 321 Chapel Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
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 | 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 | TOWN OF BLACK MOUNTAIN serves 11,976 people · EPA ID NC0111020 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 9 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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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