87 Chapel Ln, Linville, NC 28646 Property Records

Avery County property record for 87 Chapel Ln, Linville, NC 28646

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,845 sqft · built 1997
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,062 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73409`

Property Details

APN / Parcel Number

Primary APN	`73409`
Alternative APN	`18551314514500000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,845 sqft Heated Area
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	6 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Wood Shingle
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	302 sqft
Deck Area	368 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	73409
Street Address	87 CHAPEL LN
City	LINVILLE
State	NC
Zip	28646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 COTTAGES CHAPEL LN PLAT 43-176
Legal Subdivision	COTTAGES/CHAPEL LANE
Legal Lot Number	2
Jurisdiction	AVERY NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2038
Census Tract	930200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Linville Historic District listed 1979 · 100 contributing resources · NRIS 79001659

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Avery County records, as of December 3, 2025

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 Record
Mailing Address	540 HEMPSTEAD PL, CHARLOTTE, NC 28207-2318
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage TD BK NA
Jul 17, 2020	Warranty Deed, Transfer TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Sep 30, 2015 · Amount on Record
Last Transfer Date	Jul 17, 2020
Transfer Doc	0005451751
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	87 CHAPEL LN, LINVILLE, NC 28646
Document Number	0005451759
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	87 CHAPEL LN LINVILLE NC 28646, LINVILLE, NC 28646

Mortgage

Document Number	0005451759
Date	Jul 17, 2020
Book Page	000545/001759
Instrument	3365

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Jul 17, 2020
Property Address	87 CHAPEL LN, LINVILLE, NC 28646
Document Number	0005451751
Book / Page	000545 / 001751
Instrument Date	Jul 7, 2020
Instrument	3364
Transaction Type	Transfer
Record Updated	Aug 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 HEMPSTEAD PL CHARLOTTE NC 282072318, CHARLOTTE, NC 28207-2318

Mortgage

Document Number	5451759
Date	Jul 17, 2020
Book Page	000545/001759
Instrument	3365

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,062.00 (-9.54%)	$765,700 (-9.52%) Land $275,000 Building $490,700	$765,700 (-9.52%) Land $275,000 Building $490,700
2023	$3,385.00 (+0.21%)	$846,300 (+0.2%) Land $275,000 Building $571,300	$846,300 (+0.2%) Land $275,000 Building $571,300
2022	$3,378.00	$844,600 Land $275,000 Building $569,600	$844,600 Land $275,000 Building $569,600

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 January 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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	23 (1994–2024)
Claims Outside the SFHA	4 of 23
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims Tropical Storm Frances, Sep 2004 · 3 claims Severe Storms, Flooding, High Winds, Oct 1995 · 3 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	Low lower than 63% of the US · above 51% 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	LINVILLE RESORTS INC private · serves 499 people · EPA ID NC0106105
Water Source	Groundwater
Last State Inspection	Jun 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Skyline Telephone.

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