Buncombe County property record for 49 Cathey Rd, Candler, NC 28715
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,420 sqft · built 2009 |
| Lot Size | 0.419 acres (18,295 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Dec 2024) |
| Tax Bill | $1,890 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8697-59-3738-00000 |
| Primary APN | 8697-59-3738-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,420 sqft Living Area |
| 1st Floor Area | 1,420 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,295 sqft (0.419 acres) |
| Garage Area | 686 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 869707592763000 |
|---|---|
| Street Address | 49 CATHEY RD |
| City | CANDLER |
| State | NC |
| Zip | 28715-9541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE: 2024-12-13 DEE |
| Legal Description | DEED DATE: 2024-12-13 DEED: 6455-1444 SUBDIV: BLOCK: LOT: SECTION: PLAT: 0000-0000 |
| Legal Lot Number | 2763 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | UPPER HOMINY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2504 |
49 Cathey Rd is owned and occupied by an individual who bought it in December 2024.
Source: Buncombe County records, as of September 24, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 49 CATHEY RD, CANDLER, NC 28715-9541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2025 | Deed of Trust, Mortgage · VA Mortgage PHH MORTGAGE SERVICES CORP |
| Aug 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Feb 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2024 · Amount on File |
| Deed Sale | Dec 13, 2024 · Amount on File |
| Prior Sale | Aug 30, 2021 · Amount on File |
| Deed Document Number | 0064551444 |
| Deed Book / Page | 6455 / 1444 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 49 CATHEY RD, CANDLER, NC 28715-9541 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 49 CATHEY RD, CANDLER, NC 28715-9541 |
| Document Number | 0065360481 |
|---|---|
| Date | Oct 22, 2025 |
| Book Page | 6536/481 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Aug 30, 2021 |
| Property Address | 49 CATHEY RD, CANDLER, NC 28715-9541 |
| Document Number | 0061130449 |
| Book / Page | 6113 / 449 |
| Instrument Date | Aug 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $668.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 9114, LONGBOAT KEY, FL 34228-9114 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 49 CATHEY RD, CANDLER, NC 28715-9541 |
| Document Number | 6113452 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | 6113/452 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 49 CATHEY RD, CANDLER, NC 28715-9541 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0058651475 |
|---|---|
| Date | Feb 20, 2020 |
| Book Page | 5865/1475 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.38% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
The 2025 property tax bill for 49 Cathey Rd was $1,890.
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 | $1,890.00 | $277,400 | |
| 2023 | $1,714.00 | $277,400 | $277,400 Land $31,700 Building $245,700 |
| 2021 | $277,400 Land $16,700 Building $260,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 Cathey Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 | 1 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2021 · Remnants Of Tropical Storm Fred |
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 49 Cathey Rd is moderate, ranking above 42% 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 42% of the US · above 62% 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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