98 Smith Rd, Leicester, NC 28748 Property Records

Buncombe County property record for 98 Smith Rd, Leicester, NC 28748

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,846 sqft · built 2006
Lot Size	3.82 acres (166,835 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,000 (Jan 2010)
Tax Bill	$2,885 (2025)
Deeds & Mortgages	Apr 2024 Reverse Mortgage Mar 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9619-25-9292-00000`

Property Details

APN / Parcel Number

Primary APN	`9619-25-9292-00000`
Alternative APN	`961901259276000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,846 sqft Living Area
Gross Area	3,022 sqft
1st Floor Area	2,352 sqft
2nd Floor Area	670 sqft
Basement Area	1,176 sqft
Finished Basement	952 sqft
Unfinished Basement	224 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	166,835 sqft (3.82 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	504 sqft
Deck Area	397 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	961901259276000
Street Address	98 SMITH RD
City	LEICESTER
State	NC
Zip	28748-9345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 01/22/2010 DEE
Legal Description	DEED DATE: 01/22/2010 DEED: 4757-0050 SUBDIV: BLOCK: LOT: SECTION: PLAT: 0000-0000
Legal Subdivision	LEICESTER
Legal Lot Number	1
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LEICESTER
Census Block Group	5
Census Block	5000
Census Tract	2608

Owner

Source: Buncombe County records, as of September 24, 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	98 SMITH RD, LEICESTER, NC 28748-9345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Reverse Mortgage US BANK NA
Mar 31, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jul 28, 2020	Deed of Trust, Mortgage · Line of Credit COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2010 · Amount on Record
Deed Sale	Jan 22, 2010 · Amount on Record
Prior Sale	Jun 1, 2009 · Amount on Record
Deed Document Number	0000475750
Deed Book / Page	4757 / 050
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	98 SMITH RD, LEICESTER, NC 28748-9345
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SMITH RD, LEICESTER, NC 28748-9345
Investor	Possibly a Property Investor

Mortgage

Document Number	0064000289
Date	Apr 17, 2024
Book Page	6400/289

Lender

Name	US BANK NA
Type	Bank
Address	9380 EXCELSIOR BLVD, HOPKINS, MN 55343

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2054

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	98 SMITH RD, LEICESTER, NC 28748-9345
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055350280
Date	Mar 31, 2017
Book Page	5535/0280

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 21, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	98 SMITH RD, LEICESTER, NC 28748-9345
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059030306
Date	May 28, 2020
Book Page	5903/306

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	98 SMITH RD, LEICESTER, NC 28748-9345
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059270858
Date	Jul 28, 2020
Book Page	5927/858

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 8, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Buncombe County
Unified School District	Buncombe County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,885.00 (+10.07%)	$414,200 (-)
2023	$2,621.00	$414,200	$414,200 (-) Land $62,200 Building $352,000
2021			$414,200 Land $47,200 Building $367,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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