45 Sunset Dr, Swannanoa, NC 28778 Property Records

Buncombe County property record for 45 Sunset Dr, Swannanoa, NC 28778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,874 sqft · built 2015
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$595,000 (Aug 2026)
Tax Bill	$2,589 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3005625-2020-20`

Property Details

APN / Parcel Number

Primary APN	`3005625-2020-20`
Alternative APNs	`9689-27-6846-00000` `968906275860000` `008270112`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,874 sqft Living Area
Gross Area	2,519 sqft
1st Floor Area	1,612 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	3005625-2020-20
Street Address	45 SUNSET DR
City	SWANNANOA
State	NC
Zip	28778-2141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: BEE TREE FOREST BLOCK: LOT: 3 SECTION: PLAT: 0051-0136
Legal Subdivision	BEE TREE FOREST
Legal Block	4
Legal Lot Number	3
Jurisdiction	BUNCOMBE NC
Township / Civil Division	SWANNANOA
Census Block Group	4
Census Block	4002
Census Tract	3002

Owner

45 Sunset Dr is owned and occupied by an individual who bought it in August 2026.

Source: Buncombe County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	45 SUNSET DR, SWANNANOA, NC 28778-2141
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2026 · Amount on File
Deed Sale	Aug 4, 2026 · Amount on File
Prior Sale	May 2, 2014 · Amount on File
Deed Book / Page	6618 / 222
Prior Transfer Date	May 8, 2008
Prior Transfer Doc	0045630482
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Aug 4, 2026
Property Address	45 SUNSET DR, SWANNANOA, NC 28778-2141
Document Number	6618000222
Book / Page	6618 / 222
Instrument Date	Jul 31, 2026
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SUNSET DR, SWANNANOA, NC 28778-2141

Mortgage

Document Number	6618000225,
Date	Aug 4, 2026
Book Page	6618/225

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 45 Sunset Dr was $2,589, up 5.9% 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	$2,589.00 (+5.93%)	$371,700 Land $59,900 Building $311,800	$371,700 Land $59,900 Building $311,800
2024	$2,444.00 (+3.08%)
2023	$2,371.00	$371,700	$371,700 Land $59,900 Building $311,800
2021			$371,700 Land $59,900 Building $311,800

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

Flood

FEMA maps place 45 Sunset Dr in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 2018.

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 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	35 (2018–2024)
Claims Outside the SFHA	7 of 35
Most Recent Claim	Oct 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Oct 2024 · 32 claims

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 45 Sunset Dr 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	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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000