Buncombe County property record for 78 Lovers Loop Rd, Asheville, NC 28803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,234 sqft · built 1976 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $318,500 (Sep 2016) |
| Tax Bill | $2,569 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 722021-2020-202 |
| Primary APN | 722021-2020-202 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 2,254 sqft |
| 1st Floor Area | 1,694 sqft |
| Basement Area | 540 sqft |
| Finished Basement | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 38,768 sqft (0.89 acres) |
| Garage Area | 594 sqft |
| Porch | Stoop |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 234 sqft |
| Patio Area | 234 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 722021-2020-202 |
|---|---|
| Street Address | 78 LOVERS LOOP RD |
| City | ASHEVILLE |
| State | NC |
| Zip | 28803-9550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SUBDIV: DEWEY E & BILLIE JUNE SOLESBEE LOT: TR 1 PLAT: 0073-0037 |
| Legal Subdivision | DEWEY E & BILLIE JUNE SOLESBEE |
| Legal Tract | 1 |
| Legal Block | 1 |
| Legal Lot Number | TR 1 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | ASHEVILLE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 3201 |
Source: Buncombe County records · APN 722021-2020-202
Assessment roll updated September 22, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 78 LOVERS LOOP RD, ASHEVILLE, NC 28803-9550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 01, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Dec 08, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Dec 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 12, 2019 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 19, 2016 · Amount on Record |
| Deed Sale | Sep 19, 2016 · Amount on Record |
| Prior Sale | Apr 13, 2010 · Amount on Record |
| Deed Book / Page | 5469 / 1586 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Jul 01, 2026 |
| Property Address | 78 LOVERS LOOP RD, ASHEVILLE, NC 28803-9550 |
| Document Number | 6607001699 |
| Book / Page | 6607 / 1699 |
| Instrument Date | Jun 26, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 78 LOVERS LOOP RD, ASHEVILLE, NC 28803-9550 |
| Document Number | 6607001699, |
|---|---|
| Date | Jul 01, 2026 |
| Book Page | 6607/1699 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 78 LOVERS LOOP RD, ASHEVILLE, NC 28803-9550 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0061580685 |
|---|---|
| Date | Dec 08, 2021 |
| Book Page | 6158/685 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 78 LOVERS LOOP RD, ASHEVILLE, NC 28803-9550 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0061580670 |
|---|---|
| Date | Dec 08, 2021 |
| Book Page | 6158/670 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 78 LOVERS LOOP RD, ASHEVILLE, NC 28803-9550 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0058091703 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 5809/1703 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Buncombe County records · Assessment roll updated September 22, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Unified School District | Buncombe County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,569.00 (+11.02%) | $379,100 (-) Land $71,800 Building $307,300 | $379,100 (-) Land $71,800 Building $307,300 |
| 2023 | $2,314.00 | $379,100 | $379,100 (-) Land $71,800 Building $307,300 |
| 2021 | $379,100 Land $71,800 Building $307,300 |
Source: FEMA National Flood Hazard Layer as of April 9, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 5 (1995–2024) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
Based on FCC filings for 210 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ASHEVILLE serves 157,431 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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