Buncombe County property record for 38 Cold Mountain Dr, Candler, NC 28715
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,464 sqft · built 1954 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Feb 2018) |
| Tax Bill | $1,570 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3025960-2020-20 |
| Primary APN | 3025960-2020-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,464 sqft Living Area |
| Gross Area | 3,004 sqft |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 1,342 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Conventional |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 198 sqft |
| Deck Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 3025960-2020-20 |
|---|---|
| Street Address | 38 COLD MOUNTAIN DR |
| City | CANDLER |
| State | NC |
| Zip | 28715-8353 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OU |
| Legal Description | PLAT: 0176-0041 |
| Legal Subdivision | ROY LEE WILSON AND WIFE MONTEEN A WILSON |
| Legal Block | 2 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | UPPER HOMINY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 2401 |
Source: Buncombe County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 74 COPPERHEAD RD, CANTON, NC 28716-3556 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 14, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION |
| May 27, 2020 | Deed of Trust, Mortgage · Conventional with PMI CHAMPION CU |
| Dec 8, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 5, 2018 | Correction Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2018 · Amount on Record |
| Deed Sale | Feb 22, 2018 · Amount on Record |
| Deed Book / Page | 5639 / 33 |
| Prior Transfer Date | Feb 7, 2018 |
| Prior Transfer Doc | 0056390030 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Aug 14, 2026 |
| Property Address | 38 COLD MOUNTAIN DR, CANDLER, NC 28715-8353 |
| Document Number | 6621000405 |
| Book / Page | 6621 / 405 |
| Instrument Date | Jul 29, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 6621000405, |
|---|---|
| Date | Aug 14, 2026 |
| Book Page | 6621/405 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 17, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 38 COLD MOUNTAIN DR, CANDLER, NC 28715-8353 |
| Document Number | 0059050698 |
| Instrument Date | May 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 38 COLD MOUNTAIN DR CANDLER NC 287158353, CANDLER, NC 28715-8353 |
| Document Number | 0059050698 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 005905/000698 |
| Name | CHAMPION CU |
|---|---|
| Type | Credit Union |
| Address | CANTON, NC 28716 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Dec 8, 2017 |
| Property Address | 38 COLD MOUNTAIN DR, CANDLER, NC 28715-8353 |
| Document Number | 0056180148 |
| Book / Page | 005618 / 000148 |
| Instrument Date | Jun 21, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 COLD MOUNTAIN DR CANDLER NC 287158353, CANDLER, NC 28715-8353 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Apr 5, 2018 |
| Property Address | 38 COLD MOUNTAIN DR, CANDLER, NC 28715-8353 |
| Document Number | 0056511414 |
| Book / Page | 005651 / 001414 |
| Instrument Date | Jun 21, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 COLD MOUNTAIN DR CANDLER NC 287158353, CANDLER, NC 28715-8353 |
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 | $1,570.00 (+6.88%) | $230,400 (-) Land $21,500 Building $208,900 | $230,400 (-) Land $21,500 Building $208,900 |
| 2024 | $1,469.00 (+3.23%) | ||
| 2023 | $1,423.00 | $230,400 | $230,400 (-) Land $36,500 Building $193,900 |
| 2021 | $230,400 Land $21,500 Building $208,900 |
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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 3 of 6 |
| 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 48% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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