Buncombe County property record for 425 Morgan Rd, Candler, NC 28715
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1978 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,106 (May 2010) |
| Tax Bill | $1,282 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 728259-2020-202 |
| Primary APN | 728259-2020-202 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 1,268 sqft |
| 1st Floor Area | 1,248 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Frame Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Stoop |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 144 sqft |
| Patio Area | 256 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 728259-2020-202 |
|---|---|
| Street Address | 425 MORGAN RD |
| City | CANDLER |
| State | NC |
| Zip | 28715-9551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OU |
| Legal Description | SUBDIV: BLOCK: LOT: SECTION: PLAT: 0000-0000 |
| Legal Subdivision | SURVEY FOR MARCUS H & TRACY O ZANDER |
| Legal Block | 2 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | UPPER HOMINY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 2504 |
425 Morgan Rd is owned and occupied by two individuals who bought it in May 2010.
Source: Buncombe County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 425 MORGAN RD, CANDLER, NC 28715-9551 |
| 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 |
|---|---|
| Oct 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2010 · Amount on File |
| Deed Sale | May 7, 2010 · Amount on File |
| Prior Sale | Sep 26, 2007 · Amount on File |
| Deed Book / Page | 4782 / 1043 |
| Prior Transfer Date | Apr 6, 2010 |
| Prior Transfer Doc | 0047821043 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Oct 14, 2026 |
| Property Address | 425 MORGAN RD, CANDLER, NC 28715-9551 |
| Document Number | 6637001566 |
| Book / Page | 6637 / 1566 |
| Instrument Date | Oct 12, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 425 MORGAN RD, CANDLER, NC 28715-9551 |
| Document Number | 6637001566, |
|---|---|
| Date | Oct 14, 2026 |
| Book Page | 6637/1566 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 425 MORGAN RD, CANDLER, NC 28715-9551 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0061151515 |
|---|---|
| Date | Sep 2, 2021 |
| Book Page | 6115/1515 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 425 MORGAN RD, CANDLER, NC 28715-9551 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|
| Document Number | 0058330121 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 5833/0121 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 425 Morgan Rd was $1,282, up 6.9% from the year before.
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 | $1,282.00 (+6.92%) | $188,100 Land $17,900 Building $170,200 | $188,100 Land $17,900 Building $170,200 |
| 2024 | $1,199.00 (+3.18%) | ||
| 2023 | $1,162.00 | $188,100 | $188,100 Land $32,900 Building $155,200 |
| 2021 | $188,100 Land $17,900 Building $170,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 Morgan Rd in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 425 Morgan Rd is moderate, ranking above 45% 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 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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 | 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 100 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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