104 Ridge Dr, Linville, NC 28646 Property Records

Avery County property record for 104 Ridge Dr, Linville, NC 28646

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,582 sqft · built 2006
Owner	Individual Name on Record
Last Sale	$2,100,000 (Jan 2023)
Tax Bill	$5,484 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79105`

Property Details

APN / Parcel Number

Primary APN	`79105`
Alternative APNs	`18560046808300000` `70793`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,582 sqft Heated Area
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	8 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Garage Area	975 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,011 sqft
Deck Area	768 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	79105
Street Address	104 RIDGE DR
City	LINVILLE
State	NC
Zip	28646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LRDC UNIT 1 LOT 4 PLAT 18-40
Legal Subdivision	LINVILLE RDG DEV 01
Legal Lot Number	4
Legal Unit	1
Jurisdiction	AVERY NC
Township / Civil Division	LINVILLE
Census Block Group	1
Census Block	1085
Census Tract	930200

Owner

Source: Avery County records, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	8104 UNIVERSITY DR, SAINT LOUIS, MO 63105-3727
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Deed Document Number	0000585105
Deed Book / Page	585 / 105
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Jan 3, 2023
Property Address	104 RIDGE DR, LINVILLE, NC 28646
Document Number	0000000037
Book / Page	585 / 105
Map Reference	MB 18 PG 40
Instrument Date	Dec 20, 2022
Instrument	2023000037
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4745 CARMEL CLUB DR, CHARLOTTE, NC 28226-8015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 RIDGE DR, LINVILLE, NC 28646

Mortgage

Document Number	0000585109
Date	Jan 3, 2023
Instrument	585/109

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	Other
Max Rate	10.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,484.00	$1,371,100 (-) Land $90,000 Building $1,281,100	$1,371,100 (-) Land $90,000 Building $1,281,100
2023	$5,484.00	$1,371,100 (-) Land $90,000 Building $1,281,100	$1,371,100 (-) Land $90,000 Building $1,281,100
2022	$5,484.00	$1,371,100 Land $90,000 Building $1,281,100	$1,371,100 Land $90,000 Building $1,281,100

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 January 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 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	16 (1997–2024)
Claims Outside the SFHA	13 of 16
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Tropical Storm Frances, Sep 2004 · 2 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	0.04% 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 27 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

May also be available: Skyline Telephone.

Cell Coverage

4G LTE only, no 5G reported

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