540 Windswept Ridge Rd, Canton, NC 28716 Property Records

Buncombe County property record for 540 Windswept Ridge Rd, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,764 sqft · built 1995
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$519,000 (Dec 2025)
Tax Bill	$1,807 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`685503-2020-202`

Property Details

APN / Parcel Number

Primary APN	`685503-2020-202`
Alternative APNs	`8750-71-9758-00000` `875000718792000` `008248065`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,008 sqft
Upper Floors Area	882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Area	336 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	685503-2020-202
Street Address	540 WINDSWEPT RIDGE RD
City	CANTON
State	NC
Zip	28716-8710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OU
Legal Description	SUBDIV: THE GLADE LOT: 7 PLAT: 0048-0127
Legal Subdivision	THE GLADE
Legal Block	2
Legal Lot Number	7
Jurisdiction	BUNCOMBE NC
Township / Civil Division	SANDY MUSH
Census Block Group	2
Census Block	2031
Census Tract	2603

Owner

540 Windswept Ridge Rd is owned and occupied by two individuals who bought it in December 2025.

Source: Buncombe County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	540 WINDSWEPT RIDGE RD, CANTON, NC 28716-8710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Sep 26, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 1, 2025	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK
Feb 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CHAMPION CU
Jun 25, 2018	Warranty Deed, Transfer · Conventional with PMI CHAMPION CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2025 · Amount on File
Deed Sale	Dec 1, 2025 · Amount on File
Prior Sale	Jun 25, 2018 · Amount on File
Deed Book / Page	6547 / 272
Prior Transfer Date	Feb 24, 2021
Prior Transfer Doc	0060250251
Record Updated	Jun 8, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	540 WINDSWEPT RIDGE RD, CANTON, NC 28716-8710
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064410404
Date	Sep 26, 2024
Book Page	6441/404

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Dec 1, 2025
Property Address	540 WINDSWEPT RIDGE RD, CANTON, NC 28716-8710
Document Number	0065470272
Book / Page	6547 / 272
Map Reference	MB 48 PG 127
Instrument Date	Dec 1, 2025
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,038.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 FARM POND LN, CANDLER, NC 28715-9528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 WINDSWEPT RIDGE RD, CANTON, NC 28716-8710

Mortgage

Document Number	0006547275
Date	Dec 1, 2025
Instrument	6547/275

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUNCOMBE NC
Recording Date	Feb 24, 2021
Property Address	540 WINDSWEPT RIDGE RD, CANTON, NC 28716-8710
Document Number	0060250251
Book / Page	6025 / 251
Map Reference	MB 48 PG 127
Instrument Date	Feb 24, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 WINDSWEPT RIDGE RD, CANTON, NC 28716-8710

Mortgage

Document Number	6025254
Date	Feb 24, 2021
Instrument	6025/254

Lender

Name	CHAMPION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jun 25, 2018
Property Address	540 WINDSWEPT RIDGE RD, CANTON, NC 28716-8710
Document Number	0056761146
Book / Page	005676 / 001146
Instrument Date	Jun 25, 2018
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$491.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 WINDSWEPT RIDGE RD CANTON NC 287168710, CANTON, NC 28716-8710

Mortgage

Document Number	56761149
Date	Jun 25, 2018
Book Page	005676/001149

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 540 Windswept Ridge Rd was $1,807, up 2.4% 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	$1,807.00 (+2.38%)	$263,200 Land $67,200 Building $196,000	$263,200 Land $67,200 Building $196,000
2024	$1,765.00 (+3.04%)
2023	$1,713.00	$268,400	$268,400 Land $66,200 Building $202,200
2021			$263,200 Land $67,200 Building $196,000

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

Flood

FEMA maps place 540 Windswept Ridge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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 540 Windswept Ridge Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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 27 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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