Buncombe County property record for 7 Cleta Dr, Swannanoa, NC 28778
| Property Type | Mobile Home |
|---|---|
| Details | 1,596 sqft · built 1961 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Aug 2020) |
| Tax Bill | $903 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9689-17-8007-00000 |
| Primary APN | 9689-17-8007-00000 |
|---|---|
| Alternative APN |
|
| Total Rooms | 6 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| Gross Area | 1,176 sqft |
| 1st Floor Area | 1,176 sqft |
| Year Built | Built 1961 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood |
| Foundation Type | Masonry |
| Lot Area | 41,818 sqft (0.96 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 224 sqft |
| Patio Area | 40 sqft |
| Canopy | 160 sqft |
| Heating System | HVAC |
|---|
| Old Parcel Number | 968909177071000 |
|---|---|
| Street Address | 7 CLETA DR |
| City | SWANNANOA |
| State | NC |
| Zip | 28778-9113 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | DEED DATE:08/27/2020 DEED |
| Legal Description | DEED DATE:08/27/2020 DEED:5940-1355 SUBDIV:W EARL MCCALL ESTATE LOT:PT 2 & PB 37 PG 95 PLAT:0074-0017 |
| Legal Subdivision | W EARL MCCALL ESTATE |
| Legal Lot Number | 2 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | SWANNANOA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 3002 |
7 Cleta Dr, a mobile home, is owned and occupied by an individual who bought it in August 2020.
Source: Buncombe County records, as of September 24, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7 CLETA DR, SWANNANOA, NC 28778-9113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2022 | Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP |
| Aug 27, 2020 | Warranty Deed, Transfer · Commercial Mortgage OTEEN VA FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2020 · Amount on File |
| Deed Sale | Aug 27, 2020 · Amount on File |
| Prior Sale | Mar 7, 2014 · Amount on File |
| Deed Document Number | 0059401355 |
| Deed Book / Page | 5940 / 1355 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 7 CLETA DR, SWANNANOA, NC 28778-9113 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | 2020 TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0062670105 |
|---|---|
| Date | Oct 13, 2022 |
| Book Page | 6267/105 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30306 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Aug 27, 2020 |
| Property Address | 7 CLETA DR, SWANNANOA, NC 28778-9113 |
| Document Number | 0059401355 |
| Book / Page | 5940 / 1355 |
| Map Reference | MB 5190 PG 1572 |
| Instrument Date | Aug 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 9821, ASHEVILLE, NC 28815-0821 |
| Name | Verified Name |
|---|---|
| Address | 7 CLETA DR, SWANNANOA, NC 28778-9113 |
| Document Number | 59401358 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 5940/1358 |
| Name | OTEEN VA FEDERAL CREDIT UNION |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2040 |
The 2025 property tax bill for 7 Cleta Dr was $903.
Source: Buncombe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $903.00 | $129,700 | |
| 2023 | $891.00 | $139,700 | $139,700 Land $67,500 Building $72,200 |
| 2021 | $129,700 Land $37,500 Building $92,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Cleta Dr in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 2018.
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 File median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 35 (2018–2024) |
| Claims Outside the SFHA | 7 of 35 |
| Most Recent Claim | Oct 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 7 Cleta Dr is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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