Buncombe County property record for 53 Capps Rd, Swannanoa, NC 28778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,378 sqft · built 1971 |
| Lot Size | 1.45 acres (63,162 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $78,000 (Aug 2017) |
| Tax Bill | $1,921 (2025) |
| Deeds & Mortgages | Sep 2019 Line of Credit Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 728099-2020-202 |
| Primary APN | 728099-2020-202 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| Gross Area | 2,996 sqft |
| 1st Floor Area | 1,378 sqft |
| Basement Area | 1,378 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 63,162 sqft (1.45 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 290 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 728099-2020-202 |
|---|---|
| Street Address | 53 CAPPS RD |
| City | SWANNANOA |
| State | NC |
| Zip | 28778-2244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | PLAT: 0000-0000 |
| Legal Subdivision | DOYCE M SETTLE SR HOMEPLACE PR |
| Legal Block | 4 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | SWANNANOA |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 3002 |
53 Capps Rd is owned and occupied by two individuals who bought it in August 2017.
Source: Buncombe County records, as of September 22, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 53 CAPPS RD, SWANNANOA, NC 28778-2244 |
| 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.
| Date | Document |
|---|---|
| Sep 13, 2019 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 7, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2017 · Amount on File |
| Deed Sale | Aug 7, 2017 · Amount on File |
| Deed Book / Page | 5578 / 439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 53 CAPPS RD, SWANNANOA, NC 28778-2244 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0058100704 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 5810/0704 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27609 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Aug 7, 2017 |
| Property Address | 53 CAPPS RD, SWANNANOA, NC 28778-2244 |
| Document Number | 0055780439 |
| Book / Page | 5578 / 0439 |
| Instrument Date | Aug 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $156.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 31 CAPPS RD, 31, SWANNANOA, NC 28778-2244 |
| Name | Verified Name |
|---|---|
| Address | 53 CAPPS RD, SWANNANOA, NC 28778-2244 |
| Document Number | 55780442 |
|---|---|
| Date | Aug 7, 2017 |
| Instrument | 5578/0442 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
The 2025 property tax bill for 53 Capps Rd was $1,921, up 6% from the year before.
Source: Buncombe County assessment roll, as of September 22, 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 | $1,921.00 (+5.96%) | $275,800 Land $66,700 Building $209,100 | $275,800 Land $66,700 Building $209,100 |
| 2024 | $1,813.00 (+3.07%) | ||
| 2023 | $1,759.00 | $275,800 | $275,800 Land $66,700 Building $209,100 |
| 2021 | $275,800 Land $66,700 Building $209,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 53 Capps Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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 53 Capps Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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