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554 Covenant Ln, Black Mountain, NC 28711 Property Records

Buncombe County property record for 554 Covenant Ln, Black Mountain, NC 28711 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 5.5 ba · 2,737 sqft · built 2016
Lot Size0.34 acres (14,810 sqft)
Owner2 Individual Names on File
Last Sale$35,000 (Nov 2002)
Tax Bill$8,461 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN712490-2020-202

Property Details

APN / Parcel Number

Primary APN712490-2020-202
Alternative APNs
  • 0720-19-6243-00000
  • 072001195188000
  • 008172968

Interior

Bedrooms4 Beds
Full Baths5.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,737 sqft Living Area
Gross Area3,074 sqft
1st Floor Area1,158 sqft
Basement Area1,158 sqft
Finished Basement921 sqft
Unfinished Basement237 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area14,810 sqft (0.34 acres)
PorchScreened Porch
Deck Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number712490-2020-202
Street Address554 COVENANT LN
CityMONTREAT
StateNC
Zip28757
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUBDIV: BLOCK: LOT: 709 SECTION: PLAT: 0000-0000
Legal SubdivisionLANDS/MOUNTAIN RETREAT ASSN
Legal Block1
Legal Lot Number709
JurisdictionBUNCOMBE NC
Township / Civil DivisionBLACK MOUNTAIN
Census Block Group1
Census Block1002
Census Tract3105

Owner

Source: Buncombe County records · APN 712490-2020-202

Assessment roll updated September 22, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address1052 MONTCALM ST, ORLANDO, FL 32806-7050
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 05, 2026Deed of Trust, Mortgage · Line of Credit
UNITED WHOLESALE MORTGAGE
Jun 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
BLACK MOUNTAIN SAVINGS BANK SSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 04, 2002 · Amount on Record
Deed SaleNov 04, 2002 · Amount on Record
Deed Book / Page2978 / 742
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUNCOMBE NC
Recording DateMay 05, 2026
Property Address554 COVENANT LN, MONTREAT, NC 28757
Document Number6590000855
Book / Page6590 / 855
Instrument DateApr 30, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number6590000855,
DateMay 05, 2026
Book Page6590/855
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate6.46%
Max Rate-1%

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUNCOMBE NC
Property AddressCOVENANT LN, NC
Transaction TypeMortgage
Record UpdatedSep 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0059121167
DateJun 22, 2020
Book Page5912/1167
Lender
NameBLACK MOUNTAIN SAVINGS BANK SSB
TypeBank
AddressBLACK MOUNTAIN, NC 28711
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2050

Tax Assessment & Valuation

Source: Buncombe County records · Assessment roll updated September 22, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyBuncombe County
MunicipalityMontreat Town
Unified School DistrictBuncombe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$8,461.00$748,600 (-) Land $102,000 Building $646,600$748,600 (-) Land $102,000 Building $646,600
2023$748,600$748,600 (-) Land $102,000 Building $646,600
2021$748,600 Land $102,000 Building $646,600

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 370210031051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Nearby Flood Policies19 in force
Nearby Flood Claims4 (2024)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm
  • Tropical Storm Helene, Sep 2024 · 4 claims

Wildfire

Wildfire RiskModerate
above 54% of the US · above 76% of North Carolina
Wildfire LikelihoodAbout 1 in 758 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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