51 N Bear Track Loop, Black Mountain, NC 28711 Property Records

Buncombe County property record for 51 N Bear Track Loop, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,099 sqft · built 2001
Lot Size	10.4 acres (456,073 sqft)
Owner	Owner Name on Record
Last Sale	$467,000 (Jun 2008)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0635-10-6968-00000`

Property Details

APN / Parcel Number

Primary APN	`0635-10-6968-00000`
Alternative APN	`063500105861000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,099 sqft Living Area
Gross Area	4,805 sqft
1st Floor Area	2,246 sqft
Upper Floors Area	853 sqft
Basement Area	1,706 sqft
Finished Basement	853 sqft
Unfinished Basement	853 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Log Home
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	456,073 sqft (10.4 acres)
Terrain	Steep
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	1,324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	063500105861000
Street Address	51 N BEAR TRACK LOOP
City	BLACK MOUNTAIN
State	NC
Zip	28711-8854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 06/12/2008 DEE
Legal Description	DEED DATE: 06/12/2008 DEED: 4575-1743 SUBDIV: BEAR TRACK BLOCK: LOT: 31 SECTION: PLAT: 0074-0076
Legal Subdivision	BEAR TRACK
Legal Lot Number	31
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BROAD RIVER
Census Block Group	1
Census Block	1027
Census Tract	3205

Owner

Source: Buncombe County records, as of September 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	PO BOX 1088, BLACK MOUNTAIN, NC 28711-1088

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Nov 13, 2017	Deed of Trust, Mortgage · ARM SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2008 · Amount on Record
Deed Sale	Jun 12, 2008 · Amount on Record
Prior Sale	Mar 20, 2000 · Amount on Record
Deed Document Number	0045751743
Deed Book / Page	4575 / 1743
Prior Transfer Date	Jun 10, 2008
Prior Transfer Doc	0045751743
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	51 N BEAR TRACK LOOP, BLACK MOUNTAIN, NC 28711-8854
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056170786
Date	Dec 6, 2017
Book Page	5617/0786

Lender

Name	SUNTRUST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	51 N BEAR TRACK LOOP, BLACK MOUNTAIN, NC 28711-8854
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056100548
Date	Nov 13, 2017
Book Page	5610/0548

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.1%
Index	1-Year LIBOR
Max Rate	8.1%

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of January 1, 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	$3,393.00 (+7.41%)	$480,200 (-)
2023	$3,159.00	$480,200	$480,200 (-) Land $68,400 Building $411,800
2021			$480,200 Land $68,400 Building $411,800

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

Flood

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
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	3 of 4
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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