828 Laurel Ave, Black Mountain, NC 28711 Property Records

Buncombe County property record for 828 Laurel Ave, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 2017
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Tax Bill	$3,247 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`694161-2020-202`

Property Details

APN / Parcel Number

Primary APN	`694161-2020-202`
Alternative APNs	`0710-00-9296-00000` `071017009220000` `008176885`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	3,920 sqft (0.09 acres)
Porch	Open Porch
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	694161-2020-202
Street Address	828 LAUREL AVE
City	BLACK MOUNTAIN
State	NC
Zip	28711-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR-8
Legal Description	SUBDIV: LAKEWOOD LOT: 16 BLOCK: 47 PLAT: 0010-0027
Legal Subdivision	LAKEWOOD
Legal Block	47
Legal Lot Number	16
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	4
Census Block	4003
Census Tract	3107

Owner

Source: Buncombe County records, as of September 22, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	828 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Feb 14, 2018	Deed of Trust, Mortgage · VA Mortgage SECURITY AMERICA MORTGAGE INC
Jul 22, 2020	Quit Claim Deed, Transfer · VA Mortgage CLEARPATH LNDG
Dec 13, 2017	Loan Modification, Mortgage FIRST GUARANTY MTG
Jul 31, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2020
Deed Sale	Jul 22, 2020
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Book / Page	5924 / 550
Prior Transfer Date	Jul 16, 2020
Prior Transfer Doc	0059240550
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	828 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928
Transaction Type	Mortgage
Record Updated	May 6, 2024
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928

Mortgage

Document Number	0064011150
Date	Apr 22, 2024
Book Page	6401/1150

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	899 S OYSTER BAY RD, BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 28, 2054

Interest

Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	828 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056361665
Date	Feb 14, 2018
Book Page	5636/1665

Lender

Name	SECURITY AMERICA MORTGAGE INC
Type	Mortgage Company
Address	HOUSTON, TX 77055

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 22, 2020
Property Address	828 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928
Document Number	0059240550
Book / Page	005924 / 000550
Instrument Date	Jul 16, 2020
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	VANTAGE POINT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 LAUREL AVE BLACK MOUNTAIN NC 287112928, BLACK MOUNTAIN, NC 28711-2928

Mortgage

Document Number	59240552
Date	Jul 22, 2020
Book Page	005924/000552

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BUNCOMBE NC
Property Address	828 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928
Document Number	0056240050
Instrument Date	Dec 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 LAUREL AVE BLACK MOUNTAIN NC 28711, BLACK MOUNTAIN, NC 28711

Mortgage

Document Number	0056240050
Date	Dec 28, 2017
Book Page	005624/000050

Lender

Name	FIRST GUARANTY MTG
Type	Funding / Finance Company
Address	TYSONS CORNER, VA 22182

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 31, 2017
Property Address	828 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928
Document Number	0055750960
Book / Page	005575 / 000960
Instrument Date	Jul 31, 2017
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$50.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1491 BLACK MOUNTAIN NC 287111491, BLACK MOUNTAIN, NC 28711-1491

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	$3,247.00 (+3.47%)	$374,300 (-) Land $42,500 Building $331,800	$374,300 (-) Land $42,500 Building $331,800
2024	$3,138.00 (+2.38%)
2023	$3,065.00	$374,300	$374,300 (-) Land $42,500 Building $331,800
2021			$374,300 Land $42,500 Building $331,800

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
Nearby Flood Policies	5 in force

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	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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