103 4th St, Black Mountain, NC 28711 Property Records

Buncombe County property record for 103 4th St, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,308 sqft · built 1935
Lot Size	0.589 acres (25,700 sqft)
Owner	Company Name on Record
Last Sale	$420,000 (Aug 2019)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0619-38-5624-00000`

Property Details

APN / Parcel Number

Primary APN	`0619-38-5624-00000`
Alternative APN	`061906384556000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,308 sqft Living Area
Gross Area	1,545 sqft
1st Floor Area	1,236 sqft
Basement Area	309 sqft
Finished Basement	232 sqft
Unfinished Basement	77 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,700 sqft (0.589 acres)
Garage Type	Mixed
Garage Area	216 sqft
Carport	Carport
Carport Area	960 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	061906384556000
Street Address	103 4TH ST
City	BLACK MOUNTAIN
State	NC
Zip	28711-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE:08/23/2019 DEED
Legal Description	DEED DATE:08/23/2019 DEED:5803-1005 SUBDIV:S F DOUGHERTY HEIRS PROP LOT:6 8 & PT 5 BLOCK:4 PLAT:0154-0106
Legal Subdivision	S F DOUGHERTY HEIRS PROP
Legal Block	4
Legal Lot Number	5-6,8
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	3
Census Block	3045
Census Tract	3105

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	Company Name on Record
Mailing Address	2211 S JIM MINOR RD, MEBANE, NC 27302-9280
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Aug 23, 2019	Warranty Deed, Transfer · Conventional with PMI IBERIABANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2019 · Amount on Record
Deed Sale	Aug 23, 2019 · Amount on Record
Prior Sale	Apr 6, 2016 · Amount on Record
Deed Document Number	0058031005
Deed Book / Page	5803 / 1005
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	103 4TH ST, BLACK MOUNTAIN, NC 28711-3107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056721818
Date	Jun 14, 2018
Book Page	5672/1818

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Aug 23, 2019
Property Address	103 4TH ST, BLACK MOUNTAIN, NC 28711-3107
Document Number	0058031005
Book / Page	005803 / 001005
Instrument Date	Aug 23, 2019
Transaction Type	Transfer
Record Updated	Sep 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	211 S JIM MINOR RD MEBANE NC 27302, MEBANE, NC 27302

Mortgage

Document Number	58031008
Date	Aug 23, 2019
Book Page	005803/001008

Lender

Name	IBERIABANK
Type	Bank
Address	NEW IBERIA, LA 70562

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,361.00 (+10.12%)	$387,400 (+3.94%)
2023	$3,052.00	$372,700	$372,700 (-3.79%) Land $88,100 Building $284,600
2021			$387,400 Land $88,100 Building $299,300

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 · 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 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	Tropical Storm Helene, Sep 2024 · 4 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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