Buncombe County property record for 102 4th St, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 1955 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Feb 2014) |
| Tax Bill | $2,278 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3005508-2020-20 |
| Primary APN | 3005508-2020-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 1,776 sqft |
| 1st Floor Area | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Porch | Screened Porch |
| Porch Area | 296 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3005508-2020-20 |
|---|---|
| Street Address | 102 4TH ST |
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-3108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UR-8 |
| Legal Description | SUBDIV: S F DOUGHERTY HEIRS PROP BLOCK: 5 LOT: PT 5 SECTION: PLAT: 0154-0106 |
| Legal Subdivision | S F DOUGHERTY HEIRS PROP |
| Legal Block | 5 |
| Legal Lot Number | 5 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 3105 |
102 4th St is owned and occupied by two individuals who bought it in February 2014.
Source: Buncombe County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 4TH ST, BLACK MOUNTAIN, NC 28711-3108 |
| 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.
| Date | Document |
|---|---|
| Feb 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jan 17, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 15, 2018 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2014 · Amount on File |
| Deed Sale | Feb 7, 2014 · Amount on File |
| Prior Sale | Mar 5, 1998 · Amount on File |
| Deed Book / Page | 5184 / 1162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 102 4TH ST, BLACK MOUNTAIN, NC 28711-3108 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 812 LAUREL AVE, BLACK MOUNTAIN, NC 28711-2928 |
| Document Number | 0065671770 |
|---|---|
| Date | Feb 20, 2026 |
| Book Page | 6567/1770 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Mar 1, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year CMT |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 102 4TH ST, BLACK MOUNTAIN, NC 28711-3108 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0062900800 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 6290/800 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | BLACK MOUNTAIN, NC 28711 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 102 4TH ST, BLACK MOUNTAIN, NC 28711-3108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057110866 |
|---|---|
| Date | Oct 15, 2018 |
| Book Page | 5711/0866 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | BLACK MOUNTAIN, NC 28711 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 102 4th St was $2,278, up 7.4% from the year before.
Source: Buncombe County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Municipality | Black Mountain Town |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,278.00 (+7.4%) | $253,000 Land $78,200 Building $174,800 | $253,000 Land $78,200 Building $174,800 |
| 2024 | $2,121.00 (+2.36%) | ||
| 2023 | $2,072.00 | $253,000 | $253,000 Land $78,200 Building $174,800 |
| 2021 | $253,000 Land $78,200 Building $174,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 4th 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 April 9, 2025 · 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 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 102 4th St is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
May also be available: Verizon.
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