Buncombe County property record for 431 Chapel Rd, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,456 sqft · built 2015 |
| Lot Size | 0.85 acres (37,026 sqft) |
| Owner | Individual Name on File |
| Last Sale | $799,000 (Mar 2021) |
| Tax Bill | $5,343 (2025) |
| Deeds & Mortgages | Mar 2021 Sale May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0609-69-9250-00000 |
| Primary APN | 0609-69-9250-00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,693 sqft |
| 1st Floor Area | 2,693 sqft |
| Basement Area | 1,462 sqft |
| Finished Basement | 1,376 sqft |
| Unfinished Basement | 86 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Architectural Style | Conventional |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 37,026 sqft (0.85 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 431 CHAPEL RD |
|---|---|
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-2641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE:03/03/2021 DEED |
| Legal Description | DEED DATE:03/03/2021 DEED:6029-0441 SUBDIV:THE RIDGE AT BLACK MOUNTAIN ESTATES LOT:R6 PLAT:0122-0101 |
| Legal Subdivision | THE RIDGE AT BLACK MOUNTAIN ESTATES |
| Legal Lot Number | R6 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 3107 |
431 Chapel Rd is owned by an individual who acquired it in April 2025.
Source: Buncombe County records, as of September 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2544 HOWERTON CT, CHARLOTTE, NC 28270-9511 |
| 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 |
|---|---|
| Mar 3, 2021 | Warranty Deed, Transfer |
| May 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2021 · Amount on File |
| Deed Sale | Mar 3, 2021 · Amount on File |
| Prior Sale | Mar 3, 2021 · Amount on File |
| Deed Document Number | 0060290441 |
| Deed Book / Page | 6029 / 441 |
| Last Transfer Date | Apr 15, 2025 |
| Transfer Doc | 0064840864 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Mar 3, 2021 |
| Property Address | 431 CHAPEL RD, BLACK MOUNTAIN, NC 28711-2641 |
| Document Number | 0060290441 |
| Book / Page | 6029 / 441 |
| Map Reference | MB 142 PG 34 |
| Instrument Date | Feb 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,598.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 752 CHASTAIN CIR, 752, RICHMOND HILL, GA 31324-9391 |
| Name | Verified Name |
|---|---|
| Address | 1025 VALLEY ROSE WAY, DURHAM, NC 27712-2991 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | May 9, 2018 |
| Property Address | 431 CHAPEL RD, BLACK MOUNTAIN, NC 28711-2641 |
| Document Number | 0056620799 |
| Book / Page | 005662 / 000799 |
| Instrument Date | May 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,370.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 CHAPEL RD BLACK MOUNTAIN NC 287112641, BLACK MOUNTAIN, NC 28711-2641 |
| Document Number | 56620802 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 005662/000802 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 431 Chapel Rd was $5,343.
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 | $5,343.00 | $615,900 | |
| 2023 | $5,503.00 | $672,000 | $672,000 Land $122,000 Building $550,000 |
| 2021 | $615,900 Land $122,000 Building $493,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 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 431 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 | 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 84 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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