39 White Pine Dr, Fletcher, NC 28732 Property Records

Buncombe County property record for 39 White Pine Dr, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,630 sqft · built 1990
Lot Size	1.37 acres (59,677 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (May 2021)
Tax Bill	$1,904 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Sep 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3029185-2020-20`

Property Details

APN / Parcel Number

Primary APN	`3029185-2020-20`
Alternative APNs	`3029185-2020-2020-0000-00` `9664-45-3085-00000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,630 sqft Living Area
Gross Area	3,117 sqft
1st Floor Area	1,115 sqft
Basement Area	1,087 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	59,677 sqft (1.37 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	275 sqft
Deck Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3029185-2020-20
Street Address	39 WHITE PINE DR
City	FLETCHER
State	NC
Zip	28732-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: BLOCK: LOT: A SECTION: PLAT: 0185-0057
Legal Subdivision	DEBRA CATHERINE BULSIEWICZ
Legal Block	3
Legal Lot Number	A
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	3
Census Block	3010
Census Tract	3202

Owner

39 White Pine Dr is owned and occupied by an individual who acquired it in February 2022.

Source: Buncombe County records, as of September 22, 2025

Owner of Record	Individual Name on File
Mailing Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC
Sep 8, 2022	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Jun 3, 2022	Warranty Deed, Transfer
Apr 18, 2022	Warranty Deed, Transfer
Feb 16, 2022	Intrafamily Transfer, Transfer
May 19, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2021 · Amount on File
Deed Sale	May 19, 2021 · Amount on File
Deed Book / Page	6068 / 1037
Last Transfer Date	Feb 16, 2022
Transfer Doc	0061851520
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713

Mortgage

Document Number	0063291746
Date	Jun 26, 2023
Book Page	6329/1746

Lender

Name	ACOPIA LLC
Type	Mortgage Company
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713

Mortgage

Document Number	0062560835
Date	Sep 8, 2022
Book Page	6256/835

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28806

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jun 3, 2022
Property Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713
Document Number	0062260908
Book / Page	6226 / 908
Map Reference	MB 185 PG 57
Instrument Date	May 18, 2022
Transaction Type	Transfer
Record Updated	Jun 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 WEDGEWOOD CT, 5, ARDEN, NC 28704-9585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Apr 18, 2022
Property Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713
Document Number	0062080837
Book / Page	6208 / 837
Map Reference	MB 185 PG 57
Instrument Date	Apr 14, 2022
Transaction Type	Transfer
Record Updated	Apr 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 WHITE PINE DR, 39, FLETCHER, NC 28732-9713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 WEDGEWOOD CT, ARDEN, NC 28704-9585

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUNCOMBE NC
Recording Date	Feb 16, 2022
Property Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713
Document Number	0061851520
Book / Page	6185 / 1520
Map Reference	MB 185 PG 57
Instrument Date	Feb 16, 2022
Transaction Type	Transfer
Record Updated	Feb 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	May 19, 2021
Property Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713
Document Number	0060681037
Book / Page	6068 / 1037
Map Reference	MB 185 PG 57
Instrument Date	May 17, 2021
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7991 BOYLSTON HWY, 7991, MILLS RIVER, NC 28759-7626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 WHITE PINE DR, FLETCHER, NC 28732-9713

Tax Assessment & Valuation

The 2025 property tax bill for 39 White Pine Dr was $1,904, up 4.7% from the year before.

Source: Buncombe County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Buncombe County
Unified School District	Buncombe County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,904.00 (+4.73%)	$295,400 Land $57,700 Building $237,700	$295,400 Land $57,700 Building $237,700
2024	$1,818.00 (+6.38%)
2023	$1,709.00	$286,800	$286,800 Land $57,700 Building $229,100
2021			$295,400 Land $57,700 Building $237,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 39 White Pine Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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	3 in force
Nearby Flood Claims	2 (2004–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2018 · rainfall accumulation

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

Wildfire risk around 39 White Pine Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.09% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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