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Friday, June 26, 2015

Asheville NC Mortgage Insurance Overview

Mortgage insurance (MI) is a policy required by mortgage providers to protect them from losses if a property buyer defaults on their mortgage. When the mortgage company goes to relinquish a house, they are unlikely to obtain the full remaining balance on the mortgage. MI applies to first mortgages where the home buyers are financing more than 80% of the sale price of the property. There is ordinarily an up-front MI fee due at closing and monthly fees based on a percentage of the initial loan balance. Asheville NC mortgage insurance overview and advice on getting rid of MI are provided below.

Amount of MI

MI rates depend on the type of loan. Home buyers should ask a mortgage professional to obtain sample rates and evaluate the impact that it will have on recurring mortgage payments. Rates can also change at certain times, so be sure to get accurate figures when you are assessing the affordability of a home purchase. Once you close on a loan, the MI rate for that specific mortgage will remain the same for the life of that mortgage. With certain loans, such as FHA, you may be able to obtain a refund of a portion of the up-front MI charged at closing if you refinance within a certain period of time.

Advice on Getting Rid Of MI

Recurring MI payments will normally be removed when the mortgage is paid down to 80% of the beginning home value. Most lenders allow removal of MI a little earlier if initiated by the homeowner when that percentage mark is attained. Refer to your loan paperwork for the percentages that apply to your loan. In an increasing real estate market, homeowners can also request a new appraisal (from a third-party approved by the bank) to document that the value of the home has increased and that you may have therefore reached the 80% mark sooner.

Asheville NC Mortgage Insurance Overview and Help

Most home buyers are unable to provide a 20% down payment and therefore cannot avoid MI. By understanding how MI works and how to get rid of it, home buyers can realize significant savings. We hope that you found this Asheville NC mortgage insurance overview useful and will be able to use the advice on getting rid of MI. For additional information on this and other related topics, contact Rowena Patton at Patton Property Group by calling 828-226-0217 or emailing

Monday, June 22, 2015

Tips For Remodeling Green In Asheville NC

Think about an eco-friendly approach to your renovation project. Green remodeling essentially means that you use specific materials and processes that are beneficial to the environment or for your health. Below are a few tips for remodeling green in Asheville NC.

Material Awareness

Opt for locally produced products. This reduces the fuel consumption for transportation. Local materials will be better adapted to the specific weather conditions. Also select recycled materials to lower the amount of trash in land fills. Evaluate materials such as bamboo as they are tough and easily grown. Also consider what products include and use those with minimal dangerous compounds. This may help improve air quality in your home. Environmentally friendly alternatives can be easily adapted to your rehab project.

Efficiency of Appliances

Efficient products may not only improve the environment but also reduce utility costs. Windows and doors can be found in energy saving alternatives and when carefully installed will stop air leaks. Appliances such as washing machines are known to save significant water usage. For all appliances, opt for Energy Star rated options that use less electricity. Evaluate other products that may have energy efficient variations such as low-flush toilets. Each one will make a little impact on preserving natural resources and saving you money.

Minimizing Waste

During your remodel, consider giving away items rather than trashing them. Many old materials may be reusable. Reduce waste by not running water when brushing your teeth and recycling rain water for other purposes.

Tips For Remodeling Green In Asheville NC

Going green can make your property more comfortable, save on natural resources, and save money. For a little bit of work, it provides a worthwhile return. Natural resources are rapidly diminishing and we all should help. This article on tips for remodeling green in Asheville NC was provided by Rowena Patton at Patton Property Group.

Wednesday, June 17, 2015

Removing PMI From FHA Loans Issued Prior To June 3, 2013

Most home buyers who have FHA loans were attracted to the ability to pay less money down. Given that PMI is normally charged on mortgages with less than a 20% down payment, most of these buyers have PMI payments each month. The procedure for having that fee removed depends on when the loan was issued by FHA. Below is an overview of removing PMI from FHA loans issued prior to June 3, 2013.

Removing PMI Gradually

With every monthly payment made, you pay down a fragment of your principal. In the early few years, the portion going towards interest is greater than the that for the principal, but this continuously shifts. PMI is finally removed when the principal is reduced to 78% of the initial value. You can also submit extra contributions towards principal to reach this point faster.
With many loans, you may demand that PMI be removed when the balance reaches below 80%. It certainly makes sense to monitor this and save additional money. Read your mortgage documents to verify that this is indeed an option.

Increase in Market Values

When home prices improve, you may be able to remove PMI sooner. Lenders refer to the loan-to-value percentage, which is based on the purchase value or the updated appraised value of the property. If house prices increase in a short time, your current loan balance might be less than 80%, which could remove your PMI. To remove PMI using this procedure, you must contact your Lender to order an appraisal. You are responsible for the fee, but it is worthwhile if your PMI is no longer charged as a result. Additionally, you must hold your mortgage for 5 or more years in order to have PMI removed.

More on Removing PMI From FHA Loans

Mortgage terms always change over time. This information is purely a summary of normal FHA mortgage conditions. It is important to review your specific paperwork regarding removing PMI from FHA loans. You can also reach out to your loan professional for more assistance.

Tuesday, June 9, 2015

Should Personal Property Be Added To P&S Contracts?

When making an offer on a property, it is normal to include appliances. Sometimes, buyers request additional personal property as well, such as mirrors or equipment. Before adding these to P&S contracts, it is essential to understand the impact that it might have on the mortgage approval process. This article covers the topic of should personal property be added to P&S contracts?.

Underwriting Impact

When adding personal property to P&S contracts, home buyers may be willing to offer a higher dollar amount for the home based on the value of the additional items. However, mortgage companies and appraisers do not attribute any value for them. This is justifiable because loans are issued according to the real estate. Should a buyer be unable to submit payments, the lender can take steps to foreclose on that property. They can not foreclose on items such as electronics, so those will not add value to a property from a mortgage company's perspective. If a home buyer increases the offer amount to reflect personal property, it is possible that the appraisal amount will not be as high as the purchase price. Also, underwriters may have an issue with certain things being listed in P&S contracts.

The Best Way to Address Personal Property

Personal property may be noted in various ways. Minor items may be written into P&S contracts as gifts from the owner. For more expensive things, or a large number of items, it may be advisable to detail it in a separate contract. The owner would basically be agreeing to convey the items for a particular price to the Buyer when the property closes. The price and other details would not be entered in the official P&S contracts and the real estate transaction would thus not be contingent upon the purchase of the items.

Should Personal Property Be Added To P&S Contracts?

Home buyers may certainly purchase certain personal property from an owner of a home, but how that is addressed will differ depending on the particular items. Consult with your real estate representative and loan representative beforehand to decide on the optimal solution. This will minimize delays in the appraisal process. This information on "Should personal property be added to P&S contracts?" was provided by Rowena Patton at Patton Property Group.

Wednesday, June 3, 2015

2015 New Mortgage Disclosure Documents

You normally get various disclosure forms when applying for a mortgage. It is easy to get overwhelmed. Many of these documents were mandated by different laws over the years. You will notice that some forms offer overlapping details, which can make the documentation even more complicating to look through. The 2015 new mortgage disclosure documents will simplify much of this.

The Loan Estimate Form

The new loan estimate document combines numbers from the Good Faith Estimate (GFE) and Truth-in-Lending (TIL) forms. This document will provide a better understanding of the features of a loan, fees involved, estimated loan payments, and any risks that come with it. This can be helpful for comparing multiple loan alternatives from the same mortgage company or from multiple companies. Once you apply for a mortgage, you should receive this new disclosure within 3 business days.

The Closing Disclosure

The closing disclosure form outlines the specific costs related to the mortgage. It will combine information previously included in the settlement form and Truth-in-Lending disclosure. To help simplify the different charges, fees will be lumped into a few categories such as service charges, taxes, and pre-paid expenses. This form is available later in the process; it must be provided no later than 3 business days before settlement.

2015 New Mortgage Disclosure Documents

These disclosures will be in use on August of 2015. If you start a mortgage application on or after that date, you will see them. This rule does not apply to reverse mortgages and equity loans. Regardless of which forms you get, you should always call your mortgage advisor if you have difficulty understanding the figures involved with your home loan. The information on the 2015 new mortgage disclosure documents in this article is intended only as an introduction and does not provide every detail of the planned changes.

Wednesday, May 13, 2015

An Overview Of Lender Paid Mortgage Insurance For Asheville NC Home Loans

Mortgage insurance is often mandatory when a owner borrows more than eighty percent of the value of a property. It protects mortgage companies against loss should a homeowner fail to pay. Although it insures the lender, it is usually paid by a buyer as a closing cost and additional recurring amount. In some cases, a mortgage company will cover the cost of the mortgage insurance. This blog includes an overview of lender paid mortgage insurance for Asheville NC home loans.

An Overview Of Lender Paid Mortgage Insurance

Some mortgage companies will offer lender paid mortgage insurance loan programs for a higher interest rate. When a homeowner pays mortgage insurance themselves, it remains in effect while the loan amount is higher than eighty percent of the purchase price or current appraised value. So eventually, the monthly payment reduces when mortgage insurance is no longer mandated. With lender paid mortgage insurance loans, this reduction in monthly payment will not take place since the higher interest rate remains in effect for the full length of the loan. The only way to change it is to refinance.

Choosing Between Owner Paid and Lender Paid Mortgage Insurance

Although the interest rate on lender paid mortgage insurance home loans may be greater, it can still result in a lower monthly payment for certain buyers. Furthermore, mortgage insurance may not be tax deductible for buyers whose income is higher than certain IRS limits whereas mortgage interest is generally tax deductible. Therefore, opting for a higher interest rate and lender paid mortgage insurance can also result in greater tax advantages for some buyers.

Help with Asheville NC Home Loans

Lender paid mortgage insurance loans may be a good solution for some buyers. It is important to compare it to other types of loans and understand the short term and long-term differences. The above is an overview of lender paid mortgage insurance for Asheville NC home loans and is intended only as an introduction. For a list of reputable local loan officers, contact Rowena Patton at Patton Property Group via phone at 828-226-0217 or email

Wednesday, May 6, 2015

New Construction Tips For Asheville NC

Building a new house is an exciting process. There are many enhancements for you to weigh, which can be somewhat overwhelming. The new construction tips for Asheville NC below can help you through the process.

New Construction Tips For Asheville NC

1. Understand the Costs

Your budget will require you to weigh different upgrades. It is understandable to want everything that you have dreamt of, but it is also critical to remember that all things come with a cost. Prioritize your list into must-have and bonus items. Once you understand the expense of the must-have items, you should then start to pull from the optional features until you reach the maximum budget. Remember that there are always unplanned expenses as well, so the budget should include a buffer as a precaution.

2. Importance of Documentation

It is important to ensure that you and the builder understand each other. A lot goes on in the planning and building process. This lends itself to miscommunication. Always keep the lines of communication open with the builder and retain good documentation. If you discuss certain items verbally, put it in writing to verify that what you understand is correct.

3. Compromise

Delays and issues can appear with any home project. In certain cases, you both may need to compromise to fix an issue. Maintain a good relationship with the builder and make the effort to understand the cause and potential solutions. By taking a professional approach and working together on a solution, the construction of your custom property will progress more smoothly.

Improving the New Construction Experience

The process of new construction is not really a simple one, but it need not be an extremely stressful one either. Start with a practical understanding of what you can and can not have in your property based on your budget. Maintain accurate documentation and open communication with the builder prior to and during the building process. Lastly, work with your builder to fix problems. In the end, you want a home that you will love and the builder wants a quality home to add to his portfolio. Keeping the above suggestions in mind will help you both reach your goals and lead to a less stressful experience. The new construction tips for Asheville NC in this article are just a few of many different tips available. Follow this blog for future tips on new construction.

Tuesday, April 28, 2015

An Introduction To Condo Insurance In Asheville NC

If you own a condo, you may not realize that you need condo insurance. Condo complexes normally have a master insurance policy, but the scope is actually limited. It is essential that you understand what master insurance actually covers and the necessary protection of individual Asheville NC condo insurance policies. This article covers an introduction to condo insurance in Asheville NC.

What Is Master Insurance

Master insurance policies for condos typically protect the structure and shared features (i.e. hallways, stairways, and the roof). It may not insure unit-specific components such as heating and cooling, electronics, upgrades, etc. More importantly, it does not protect personal belongings such as furniture, televisions, and clothes. Policies differ, so be sure to obtain a copy of the master insurance policy for your condo development and understand what it does and does not include.

Why Buy an Individual Policy?

Other than not encompassing the structure of the building, MA personal condo insurance is actually similar to typical homeowners insurance. It normally protects you in instances of burglary, fire, specific weather damage, vandalism, debris, and accidents from vehicles or planes. It can also include personal liability protection for cases where people get injured in your home or if you damage other people's home. A low amount of value is normally included for personal belongings. Increased coverage may be purchased for jewelry, electronics, collectible items, and condo improvements (such as a high-end kitchens or expensive appliances).

Average Premiums and Where to Start

In many instances, Asheville NC condo insurance is actually lower cost than regular homeowners insurance. You should ask your insurance agent for advice on how much coverage you need. Your agent may ask about the size and upgrades of your condo plus the value of personal belongings. He/she may ask for a copy of your master insurance policy to confirm what is included. Completing this important step will establish that you have sufficient coverage based on your circumstances.

Tuesday, April 21, 2015

Asheville NC Mortgage APR And What It Means

When looking for loans, you will see the terms APR and interest rate. These are often mistaken as being synonymous, but they are very different. It is essential for home buyers to evaluate both. The following are details on Asheville NC mortgage APR and what it means.

APR and Interest Rates - The Difference

Interest rates apply to monthly loan payments over the life of a loan. This is typically the rate advertised by lenders. It does not take into account the up-front cost of a mortgage. Fees can differ among programs and lenders. For example, there can be points for one loan but not another. Other costs that may be included are mortgage origination and services charges. The APR accounts for the interest rate plus specific fees, so it balances out the expenses.

How to Use APR Information

When evaluating various loan alternatives from the same or different companies, the APR is a standard that can be used. You can be reviewing one loan with high fees and another with low fees and a separate interest rate corresponding to each. The real expense includes both what you pay up-front plus what you pay in interest over time. The APR can therefore help you you choose a loan.
Loan AmountTermInterest RateUp-front CostAPR
100,00030 years5 percent1,0005.09 percent
100,00030 years4.5 percent4,0004.85 percent

A Few Things To Keep In Mind

There are some facts that borrowers must know when it comes to how APR is determined. It is formulated based on the length of a loan. If you were to pay off your mortgage in a fewer number of years, the actual APR can be higher. Additionally, one program that appears to offer a better APR than another might end up being higher using the shorter time period. The best APR is not necessarily the best option. Because most home buyers do not keep the same mortgage for its full term, this is an important fact to keep in mind.
Loan AmountTermInterest RateUp-front CostAPR
100,0005 years5 percent1,0005.41 percent
100,0005 years4.5 percent4,0006.12 percent
Additionally, certain APR calculations are not exact. For instance, the rate on a variable rate mortgage will alter but the amount is not predictable. Thus, they are estimated using the initial rate.

Help With Asheville NC Mortgage APR And What It Means

To complete a valid comparison of loan APRs, it is important to obtain quotes within a short time frame (on same day if feasible) as rates change on a daily basis. Also know that your final rate is not determined until you lock in. Always look at the interest rate and APR jointly to better assess cost. A knowledgeable loan officer can provide further advice on Asheville NC mortgage APR and what it means.

Thursday, April 16, 2015

Common Seller Mistakes When Listing Asheville NC Properties

Seller actions can contribute to the success or failure of a home for sale. Some common seller mistakes when listing Asheville NC properties are worse than others. Sellers must avoid the mistakes outlined in this blog.

Common Seller Mistakes When Listing Asheville NC Properties

Not Cleaning Up

Keeping a home consistently presentable may be difficult particularly while still living there. Sellers must spend time cleaning immediately before buyer visits and open houses. Buyers may notice less of a home and more of the clutter inside, so failing to clean up will make your house less desirable. Additionally, buyers think that owners who do not clean their residence also neglect serious home maintenance. Cleaning up helps properties sell faster and for more money.

Complicated Showing Instructions

Requesting too much advanced notice for showings limits the buyers that may view the property. Another mistake is requesting that keys be picked up miles from the location of a property. When options are abundant, people will gravitate towards listings that are convenient to show. Complicated showing instructions result in fewer opportunities and lengthier marketing time frames.

Lingering During Viewings

Home owners may wish to be present during appointments, but this can do more harm than good. Buyers may feel awkward touring a property under the close watch of a seller. Additionally, excessive conversation with a home owner may distract a buyer from the home itself. Buyers prefer to take time to explore a home and to speak freely with each other about what they think. Furthermore, sellers and buyers communicating directly with one another could result in assumptions about motivation and terms.

Deciding on Price

Price impacts marketing time and how much it will sell for in the end. Of all the common seller mistakes when listing Asheville NC properties, this one is the biggest. It is normal for sellers to want maximum value from their property. However, there is a danger of pricing too high. Overpriced properties may remain on the market for longer while reasonably priced homes go under contract first. As time passes, the listing grows old and is less interesting to buyers. Long marketing time and price drops along the way will cause the home to sell for less. Thus, there is usually no benefit to overpricing real estate. Speak to a real estate professional for an honest opinion on price and hold off on listing your property if the figures are not sufficient.

For Sale By Owner

Some people attempt to sell on their own. Even though it is possible, there may be many headaches and expensive mistakes along the way. Real estate brokers are experts on listing real estate, acting as an intermediary, negotiating deals, and promoting the interests of sellers. They also understand changes in the market. This can make a big difference, particularly during fluctuating market conditions.

Sellers Control The Outcome

Sellers play an important role in the listing of properties. The common seller mistakes when listing Asheville NC properties above are only the most critical mistakes. A professional real estate agent can help a seller avoid other selling pitfalls. For additional guidance on this and other similar topics, contact Rowena Patton at 828-226-0217 or

Tuesday, April 7, 2015

Removing PMI From FHA Loans

PMI is ordinarily applied to home loans for more than 80% loan-to-value. Most individuals who opt for FHA have low down payments and will therefore need to pay PMI each month. The amount is calculated based on the starting principal of the mortgage and can make up a significant percentage of the monthly payment. Homeowners thus have every incentive for removing PMI from FHA loans, but updated policies have changed how this occurs.

PMI Rules

In 2013, FHA changed PMI calculations. The changes apply to home loans with case numbers pulled after June 3, 2013. Previously, all FHA loans had a standard clause where PMI was removed when the principal approached a specific level. This is no longer the case. There are now separate policies depending on a few variables. The following covers two typical types of mortgages.

Loans Under 90% Loan-to-value

For 30 year FHA loans with a down payment of 10% or more, eliminating PMI is an option if two criteria are met. First, the loan must have been paid for at least 11 years (during which PMI premiums were also paid). Additionally, the remaining balance must be 78% or less than the starting price or current market value.

Mortgages for Greater than 90% LTV

For 30 year FHA loans with down payments lower than 10% (which is the majority of FHA loans), removing PMI is not an option. PMI is payable for the entire length of the mortgage despite the remaining balance. The only option for removing PMI is a refinance.

Removing PMI From FHA Loans

Removing PMI from FHA loans is not as simple as it was in the past. Most buyers select FHA for the low 3.5% down payment option. It is helpful to understand that PMI will not be eliminated from these mortgages. Customers with FHA case numbers produced before June 3, 2013 do not need to worry about this change. Also, there are additional exemptions such as streamline refinances of loans endorsed before May 31, 2009 and Home Equity Conversion Mortgages. Contact your loan officer for further information.

Friday, April 3, 2015

LOT SALES SKYROCKET Asheville NC property transfers in February 2015

The following transfers were filed in the Register of Deeds office Feb. 27-March 4
The interesting thing about the property transfers this period is how many are 'LOT' or bare land sales. I don't remember seeing this many lot sales in all the time of looking at these.

See homes and lots for sale, type area name in search
Lot 61 Ashley Woods phase 3, $538,000, Duc Tan and Yvonne Jonathan Ngo to William Cochrane, Valerie Pereski

Lot 3 Deerwood building 15 phase, $260,000, John B. Kuhns to Lynn A. White
Lot 10 Regional Medical Park Buncombe County (4.021 acres on Medical Park Drive), $11,647,000, CC Asheville MOB LLC (54.7193% undivided interest), CHD Asheville LLC (45.2807 % undivided interest) to TST Asheville MOB LLC
21 Battery Park Unit 3B, $805,000, Charles Edward and Kristin Manning Kimel to Ford McHenry Ivey, Sidney Fortner Fisher
45 Trinity Chapel Road, $205,000, Estate of Blanche Alice Ingle, Melissa B. and Robert K. Ballard, Johnny J. and Rosanna (a. k. a. Rosana) M. England to Peg S. Papanek Living Trust
Lot 37 section II of Willow Brook phase III, $197,500, Shannon Stuart and Sherri Lynn McCready to Amie Noelle and Robert Bankes
Lot 22 Leicester Village (English Ivy Road), $160,000, Day and Night LLC to Jillian E. Humphries
1000 Olde Eastwood Village Unit A-106 (Eastwood Condominiums), $108,000, Shelle Rogers to Rickey Meares
Lot 13 Oakley Cottages subdivision, $222,000, Windsor Built Homes LLC to Joseph Webster
Lot 23 Forest Park, $452,000, Flying Squirrel Properties LLC to Angela and Robert Friend Everett
130 Onteora Blvd., $140,000, David Martin and Diane H. Brinkley, Robert Anthony and Janice Brinkley, Jack Alexander and Diana Brinkley, Diane Brinkley and D. E. Hawkins to William and Kathleen Ostema
Lot 11 Parkway Knolls, $214,000, Ronald P. Greenberg to Vivian Dawson
531 Appeldoorn Circle (Grove At Appeldoorn), $94,500, Rebecca M. Ross to David Abernethy
3 Oakcrest Place (Lot 1, 0.132 acre), $128,500, H. Bryan Smith to Caitlin Owens
Lot 11 Madison Ave. (0.0921 acre Hillside Park), $291,500, 73 Madison Ave. Land Trust to Rosemarie Vardell, Deborah J. Cassidy
Lot 2 block B Srpingtime section II, $165,000, Patricia T. Gosnell to Thomas J. and Laura I. Hubsch
29 Lucerne Ave. (Lot 34), $41,000, Richard L. and Robin M. Kastler to Lise J. Gregory, Kadence A. Otto
Searching for Similar? Use our full MLS search here
140 Mount Carmel Acres section 2, $106,000, Constance Loraine Ballenger to Glenn James Donaghy

Lot 155 section 3 Bent Creek, $163,000, Estate of Lawrence Riddick Bell, Mary Alice Bell and Craig A. Goforth, Charles Alan and Jennifer Bell to 215 Summerglen Drive Land and Trust
Lot 21 Solomon Estates, $175,000, Dawn T. and Robert F. Hoppenhauer Jr., Debra A. and Norman E. Frey Jr. to Brian Kelly
Lot 320 block A5 Biltmore Lake phase 1, $476,000, Branch Banking & Trust Co. to the Denise D. Ertell Trust
113 Cragmont Road (Lot 6 block 2 0.21 acre at the Methodist Colony Co.), $49,500, John and Julie A. Miles to Michael Paul and Jeannie Rebecca Regan
Buncombe County
Lot 56 Waightstill phase VI B, $350,000, Thea Y. and Ronnie J. Shook Jr. to Mark J. Wilcox, Hilary J. Colwell
5 Partridge Lane (Lot 24 High Country Estates), $230,000, CNL Enterprises LLC to Jill A. Jungels
Lot 75 Enka Park block A part 1, $145,000, T. F. Kirkpatrick Living Trust to Philip G. and Michelle K. Pearce
Lot 101 Stoneybrook section 8, $192,500, Ryan S. and Kristin M. Hussey to Jessica Lyle Dow
1.998 acres at Red Oak Plantation phase 1, $205,000, Scott Andrew and Tammie Lynn Colegrove to Chantelle Sorrell
182 Courtland Place, $250,000, Corey D. and Shelley M. Mason to Claire E. Scott
26 Uncle Drive (Lot 6A), $170,000, Bank of America NA to Martin Ford
Lot 5 Nixon Terrace, $200,000, Estate of Willie A. Capps, Janet Gail and Jerry Kreske, Nancy Dale and Keith Morton to Ronald P. Greenberg
25 Old Heywood Road (Unit B301 Lexington Station), $285,000, Fredrick Monroe Lloyd, Peggy Ann Stamper to Dosia Smith
Lot 39 Brigadoon Estates part I, $267,500, Judith B. and Eugene M. Norton Sr. to Patrick Lane and Jessica Marie Medlin
Lot 4 The Oaks at Haw Creek, $250,000, First Citizens Bank & Trust Co. to Pepsi Boyer
10 Alexander Farms Lane (0.800 acre, Lot 1), $274,000, Homesight Inc. to Mark and Gayle Menozzi
117 Cloverleaf Lane (Unit 4 building 15 of Deerwood phase 2), $220,000, Billy M. Hargett to Jan Shaver
42 Sunview Court (Lot 31 Baldwin Cove), $222,500, David L. and Shirley Baucom to Ratilal and Gitaben Patel
0.22 acres on Hazel Mill Road, $125,000, Anthony L. and Sheri Guyton to Donald Michael and Mahalia Sheera Kennedy
65 Smokemont Drive (Lot 8 Avery Park phase 1), $42,000, Danielle and Herbert Moser to Jeffrey and Kiana Ahrens Miles
27 Clear Water Trail (Lot 405 Southcliff phase II), $140,000, MRECV Southcliff LM LLC to Charles B. Hogue
Unit 501 Biltmore Commons phase II, $187,000, Dana S. Blanksteen to Connie B. and Constance Shannon
Lot 122 Southcliff phase 1, $75,000, Biltmore Farms Homes LLC to Donald B. and Frances A. Hensley
Lot 40 Imperial Woods section B, $153,000, Almeanor Hines to Allen Frazier Worth, Mathews
New Leicester Highway (Unit 4 Leicester Village Doctors Park), $315,000, Land Holding LLC to Zion Ministries Inc.
33 Peppercorn Trail, $30,000, Thomas and Suzanne B. Fiedler to Mary Fiedler, Edward Milam
Unit 401 Laurel Ridge, $250,500,Ashley Brooke and John M. Morrow to Dean and Charmain Yobbi
Lot 9-A Forest Creek, $42,500, Michael J. and Christen (f. k. a. Caldwell) Cathy to Roderick L. Tolbert, Vickie A. White
Unit 1A phase 1 of the Vistas of Westfield, $395,000, Richard R. and Charlotte D. Eley to Ernest S. and Debra T. Williams
Lot 235 block 4A section 2 of Biltmore Park phase 1 $459,000, Laura B. and Victor T. Atkinson to Heidi Marie and Kevin Scott Knoll
Lots 5, 5A, 5B block F of Flat Top Mountain, $50,000, Longview Land Co. II LLC to 677 Brevard Road LLC
Lot 19 Bridgewater, $97,000,Taylor Ranch Inc. to McDaniel A. and Ashley A. Shuford
Lot 110 Southcliff phase 1, $439,000, Amarx Construction LLC to Jeffrey S. and Mary G. Johnson
French Broad
59 McCurry Road (6.75 acres), $200,000, Joseph Agosta to Adam R. and Sharon Crossett
Lot 96-A Eastmoor, $625,000, Ronald and Donna Wildes to Dieter Zelt, Deborah S. Scott
Upper Hominy
Tract 1 (40.45 acres) Colebrook Drive, $330,000, Gary Alan and Nancy D. Cole to Thomas L. Morton Jr., Elizabeth W. Morosani
Lot 1.684 acres, $160,000, Michael D. and Lori B. Howard to Monica D. and Steven J. Clark