Buncombe County property record for 55 McClain St, Asheville, NC 28803
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 2011 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Apr 2019) |
| Tax Bill | $3,244 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9648-74-5327-00000 |
| Primary APN | 9648-74-5327-00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 2011 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 36 sqft |
| Patio Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 55 MCCLAIN ST |
|---|---|
| City | ASHEVILLE |
| State | NC |
| Zip | 28803-2420 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | DEED DATE:04/02/2019 DEED |
| Legal Description | DEED DATE:04/02/2019 DEED:5757-1472 LOT:1 PLAT:0157-0113 |
| Legal Subdivision | DRA LIVING |
| Legal Lot Number | 1 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | ASHEVILLE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 800 |
55 McClain St, a residential property, is owned by an individual who bought it in April 2019.
Source: Buncombe County records, as of September 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 77 FURMAN AVE, ASHEVILLE, NC 28801-2070 |
| 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 |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 16, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Apr 2, 2019 | Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG |
| Jul 13, 2017 | Warranty Deed, Transfer JAMES & LOUISE M SPEIGHTS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2019 · Amount on File |
| Deed Sale | Apr 2, 2019 · Amount on File |
| Prior Sale | Jul 13, 2017 · Amount on File |
| Deed Document Number | 0057571472 |
| Deed Book / Page | 5757 / 1472 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 55 MCCLAIN ST, ASHEVILLE, NC 28803-2420 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062530648 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 6253/648 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 55 MCCLAIN ST, ASHEVILLE, NC 28803-2420 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0061070100 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 6107/100 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | ASHEVILLE, NC 28813 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 55 MCCLAIN ST, ASHEVILLE, NC 28803-2420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0059621631 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 5962/1631 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Apr 2, 2019 |
| Property Address | 55 MCCLAIN ST, ASHEVILLE, NC 28803-2420 |
| Document Number | 0057571472 |
| Book / Page | 005757 / 001472 |
| Instrument Date | Mar 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 MCCLAIN ST ASHEVILLE NC 288032420, ASHEVILLE, NC 28803-2420 |
| Document Number | 57571476 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 005757/001476 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Jul 13, 2017 |
| Property Address | 55 MCCLAIN ST, ASHEVILLE, NC 28803-2420 |
| Document Number | 0055690893 |
| Book / Page | 005569 / 000893 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 MCCLAIN ST ASHEVILLE NC 288032420, ASHEVILLE, NC 28803-2420 |
| Document Number | 55690896 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 005569/000896 |
| Name | JAMES & LOUISE M SPEIGHTS |
|---|---|
| Address | 1776 DODGE CIR S, MELBOURNE, FL 32935-4936 |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|---|
| Term | 480 Months |
| Due | Jul 12, 2057 |
The 2025 property tax bill for 55 McClain St was $3,244.
Source: Buncombe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Municipality | Asheville City |
| Unified School District | Asheville City Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,244.00 | $295,400 | |
| 2023 | $2,975.00 | $295,400 | $295,400 Land $93,400 Building $202,000 |
| 2021 | $295,400 Land $93,400 Building $202,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 McClain St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| 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 risk around 55 McClain St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 173 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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