87 Oak St, Brevard, NC 28712 Property Records

Transylvania County property record for 87 Oak St, Brevard, NC 28712

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 549 sqft · built 1940
Lot Size	0.15 acres (6,675 sqft)
Owner	Individual Name on File
Last Sale	$184,000 (Jul 2023)
Tax Bill	$713 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8586-93-6840-000`

Property Details

APN / Parcel Number

Primary APN	`8586-93-6840-000`
Alternative APNs	`10762000` `70585960`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	549 sqft Heated Area
Flooring	Hardwood
Interior Walls	Masonry
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Exterior Material	Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,675 sqft (0.15 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70585960
Street Address	87 OAK ST
City	BREVARD
State	NC
Zip	28712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	OAK STREET
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	BREVARD
Census Block Group	2
Census Block	2024
Census Tract	960301

Owner

87 Oak St is owned and occupied by an individual who bought it in July 2023.

Source: Transylvania County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	87 OAK ST, BREVARD, NC 28712
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Sep 24, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Sep 24, 2019	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Deed Document Number	20233504
Deed Book / Page	1085 / 578
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Jul 20, 2023
Property Address	87 OAK ST, BREVARD, NC 28712
Document Number	0010850578
Book / Page	1085 / 578
Instrument Date	Jul 19, 2023
Instrument	2023003504
Transaction Type	Transfer
Record Updated	Sep 18, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 N OAK ST, BREVARD, NC 28712-3495

Mortgage

Document Number	2023003505
Date	Jul 20, 2023
Instrument	2023003505

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.4%
Index	5-Year TN
Max Rate	11.4%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	87 OAK ST, BREVARD, NC 28712
Document Number	0008950202
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 N OAK ST BREVARD NC 287123495, BREVARD, NC 28712-3495

Mortgage

Document Number	0008950202
Date	Sep 30, 2019
Book Page	000895/000202
Instrument	5031

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	756 Months
Due	Sep 29, 2082

Interest

Rate Type	Adjustable Rate
Rate	4.81%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	87 OAK ST, BREVARD, NC 28712
Document Number	0008950184
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 N OAK ST BREVARD NC 287123495, BREVARD, NC 28712-3495

Mortgage

Document Number	0008950184
Date	Sep 30, 2019
Book Page	000895/000184
Instrument	5030

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	756 Months
Due	Sep 29, 2082

Interest

Rate Type	Adjustable Rate
Rate	4.81%

Tax Assessment & Valuation

The 2026 property tax bill for 87 Oak St was $713.

Source: Transylvania County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Brevard City
County	Transylvania County
Unified School District	Transylvania County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$713.00	$173,880 Land $90,000 Building $83,880	$173,880 Land $90,000 Building $83,880
2023	$676.00 (+1%)	$112,090 (-) Land $54,000 Building $58,090	$112,090 (-) Land $54,000 Building $58,090
2022	$338.00	$112,090 Land $54,000 Building $58,090	$112,090 Land $54,000 Building $58,090

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 87 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 26, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	3 (2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 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

Wildfire risk around 87 Oak St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF BREVARD serves 11,336 people · EPA ID NC0188010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable · Fiber in parts of the area	2,000 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Vyve Broadband.

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