54 White Pine Cir, Fletcher, NC 28732 Property Records

Buncombe County property record for 54 White Pine Cir, Fletcher, NC 28732 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,644 sqft · built 1996
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on File
Last Sale	$434,000 (Jul 2015)
Tax Bill	$3,239 (2025)
Deeds & Mortgages	May 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9664-60-4330-00000`

Property Details

APN / Parcel Number

Primary APN	`9664-60-4330-00000`
Alternative APN	`966419603255000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,644 sqft Living Area
Gross Area	4,107 sqft
1st Floor Area	1,960 sqft
2nd Floor Area	1,184 sqft
Basement Area	3,029 sqft
Finished Basement	500 sqft
Unfinished Basement	2,529 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Terrain	Rolling
Garage Type	Basement
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	438 sqft
Patio Area	602 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	966419603255000
Street Address	54 WHITE PINE CIR
City	FLETCHER
State	NC
Zip	28732-9462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEED DATE: 07/06/2015 DEED: 5330-1592 SUBDIV: WHITE PINE CIRCLE BLOCK: LOT: 73 SECTION: PLAT: 0052-0065
Legal Subdivision	WHITE PINE CIRCLE
Legal Lot Number	73
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	4
Census Block	4014
Census Tract	3202

Owner

Source: Buncombe County records · APN 9664-60-4330-00000

Assessment roll updated January 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	54 WHITE PINE CIR, FLETCHER, NC 28732-9462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 2015 · Amount on Record
Deed Sale	Jul 06, 2015 · Amount on Record
Deed Document Number	0053301592
Deed Book / Page	5330 / 1592
Record Updated	Jun 08, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	54 WHITE PINE CIR, FLETCHER, NC 28732-9462
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 WHITE PINE CIR, FLETCHER, NC 28732-9462

Mortgage

Document Number	0063171975
Date	May 11, 2023
Book Page	6317/1975

Lender

Name	MOUNTAIN BIZOAPITAL INC
Type	Non-Lending Institution
Address	ASHEVILLE, NC 28801

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 15, 2030

Tax Assessment & Valuation

Source: Buncombe County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Buncombe County
Unified School District	Buncombe County Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,239.00 (+8.15%)	$502,600 (-)
2023	$2,995.00	$502,600	$502,600 (-) Land $52,600 Building $450,000
2021			$502,600 Land $52,600 Building $450,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Buncombe County (37021C), updated April 9, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370210032024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 5 individual NFIP policies nearby
Nearby Flood Policies	5 in force 5 of 5 on primary residences
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024, rainfall accumulation, Tropical Storm Helene
Flood Events	Tropical Storm Helene (Sep 2024), 2 claims

Wildfire

Wildfire Risk	Low above 38% of the US · above 54% of North Carolina
Wildfire Likelihood	About 1 in 1,449 per year
Exposure	Direct burnable vegetation at the parcel

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.