Buncombe County property record for 43 Summit Rd, Swannanoa, NC 28778
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 2 bd · 2 ba · 1,980 sqft · built 2020 |
| Lot Size | 1.05 acres (46,174 sqft) |
| Owner | Owner Name on File |
| Last Sale | $43,000 (Sep 2014) |
| Tax Bill | $4,114 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0608-38-4714-00000 |
| Primary APN | 0608-38-4714-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,980 sqft Living Area |
| Gross Area | 1,296 sqft |
| 1st Floor Area | 216 sqft |
| Basement Area | 1,772 sqft |
| Unfinished Basement | 1,772 sqft |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Conventional |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft (1.05 acres) |
| Garage Type | Basement |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 444 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 060806383743000 |
|---|---|
| Street Address | 43 SUMMIT RD |
| City | SWANNANOA |
| State | NC |
| Zip | 28778-3739 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | DEED DATE: 09/11/2014 DEE |
| Legal Description | DEED DATE: 09/11/2014 DEED: 5242-0346 SUBDIV: LYNN M & SUAN PROPST BLOCK: LOT: 3 SECTION: PLAT: 0157-0011 |
| Legal Subdivision | LYNN M AND SUAN PROPST |
| Legal Lot Number | 3 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 3103 |
The current owner of 43 Summit Rd bought it in September 2014.
Source: Buncombe County records, as of September 24, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 227 MOCKINGBIRD RD, SWANNANOA, NC 28778-3719 |
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 |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Mar 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2014 · Amount on File |
| Deed Sale | Sep 11, 2014 · Amount on File |
| Deed Document Number | 0005242346 |
| Deed Book / Page | 5242 / 346 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 43 SUMMIT RD, SWANNANOA, NC 28778-3739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 43 SUMMIT RD, SWANNANOA, NC 28778-3739 |
| Document Number | 0065670363 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 6567/363 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 43 SUMMIT RD, SWANNANOA, NC 28778-3739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK TITLE ONLY |
| Name | Verified Name |
|---|
| Document Number | 0058720922 |
|---|---|
| Date | Mar 9, 2020 |
| Book Page | 5872/922 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 9, 2030 |
The 2025 property tax bill for 43 Summit Rd was $4,114.
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 | $4,114.00 | $590,600 | |
| 2023 | $2,069.00 | $324,300 | $324,300 Land $55,700 Building $268,600 |
| 2021 | $590,600 Land $45,700 Building $544,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Summit Rd in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1979.
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 39 policies |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 30 (1979–2024) |
| Claims Outside the SFHA | 5 of 30 |
| 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.
Wildfire risk around 43 Summit Rd 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 | 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 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures