554 Brandon Rd, Black Mountain, NC 28711 Property Records

Buncombe County property record for 554 Brandon Rd, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,204 sqft · built 1970
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Company Names on Record
Last Sale	$312,500 (Apr 2018)
Tax Bill	$2,359 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`762974-2020-202`

Property Details

APN / Parcel Number

Primary APN	`762974-2020-202`
Alternative APNs	`0710-70-1763-00000` `071019700699000` `008066634`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,204 sqft Living Area
Gross Area	3,628 sqft
1st Floor Area	2,204 sqft
Basement Area	1,102 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	49,223 sqft (1.13 acres)
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	51 sqft
Deck Area	553 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	762974-2020-202
Street Address	554 BRANDON RD
City	BLACK MOUNTAIN
State	NC
Zip	28711-8410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR-8
Legal Description	LOT: C PLAT: 0144-0087
Legal Subdivision	WILSON MCMAKIN
Legal Tract	C
Legal Block	1
Legal Lot Number	C
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	1
Census Block	1020
Census Tract	3105

Owner

Source: Buncombe County records, as of August 13, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	554 BRANDON RD, BLACK MOUNTAIN, NC 28711-8410
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Apr 13, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Nov 20, 2017	Warranty Deed, Transfer · Construction Mortgage PANTHEON CAP ADVISORS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2018 · Amount on Record
Deed Sale	Apr 13, 2018 · Amount on Record
Prior Sale	Nov 20, 2017 · Amount on Record
Deed Book / Page	5654 / 511
Last Transfer Date	Jul 31, 2026
Transfer Doc	6617000021
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 31, 2026
Property Address	554 BRANDON RD, BLACK MOUNTAIN, NC 28711-8410
Document Number	6617000021
Book / Page	6617 / 21
Instrument Date	Jul 31, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	554 BRANDON RD, BLACK MOUNTAIN, NC 28711-8410

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	554 BRANDON RD, BLACK MOUNTAIN, NC 28711-8410
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059550630
Date	Sep 29, 2020
Book Page	5955/630

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	554 BRANDON RD, BLACK MOUNTAIN, NC 28711-8410
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061290534
Date	Oct 4, 2021
Book Page	6129/534

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Apr 13, 2018
Property Address	554 BRANDON RD, BLACK MOUNTAIN, NC 28711-8410
Document Number	0056540511
Book / Page	005654 / 000511
Instrument Date	Apr 13, 2018
Transaction Type	Transfer
Record Updated	Apr 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	554 BRANDON RD BLACK MOUNTAIN NC 287118410, BLACK MOUNTAIN, NC 28711-8410

Mortgage

Document Number	56540517
Date	Apr 13, 2018
Book Page	005654/000517

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Nov 20, 2017
Property Address	554 BRANDON RD, BLACK MOUNTAIN, NC 28711-8410
Document Number	0056120599
Book / Page	005612 / 000599
Instrument Date	Nov 14, 2017
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	33 MELROSE AVE ASHEVILLE NC 288043506, ASHEVILLE, NC 28804-3506

Mortgage

Document Number	56120602
Date	Nov 20, 2017
Book Page	005612/000602

Lender

Name	PANTHEON CAP ADVISORS INC
Address	CHARLOTTE, NC 28203

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 19, 2018

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of September 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,359.00 (+7.86%)	$317,000 (+1.57%) Land $66,600 Building $250,400	$317,000 (+1.57%) Land $66,600 Building $250,400
2023	$2,187.00	$312,100	$312,100 (-1.55%) Land $66,600 Building $245,500
2021			$317,000 Land $66,600 Building $250,400

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
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BLACK MOUNTAIN serves 11,976 people · EPA ID NC0111020
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	9 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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