Buncombe County property record for 18 Border St, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1994 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $10,500 (Apr 1990) |
| Tax Bill | $1,678 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0629-45-2589-00000 |
| Primary APN | 0629-45-2589-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 2,160 sqft |
| 1st Floor Area | 864 sqft |
| Upper Floors Area | 432 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Flooring | Carpet |
| Year Built | Built 1994 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.269 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | 576 sqft |
| Patio Area | 624 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 062910452504000 |
|---|---|
| Street Address | 18 BORDER ST |
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-8438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE: 04/02/1990 DEE |
| Legal Description | DEED DATE: 04/02/1990 DEED: 1601-0053 SUBDIV: RIDGECREST BLOCK: LOT: PT 754 SECTION: PLAT: 0032-0051 |
| Legal Subdivision | RIDGECREST |
| Legal Lot Number | 754 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 3105 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 18 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · FHA Mortgage FIRST BANK |
| Mar 26, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 1990 · Amount on Record |
| Deed Sale | Apr 2, 1990 · Amount on Record |
| Deed Document Number | 0000160153 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 18 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 18 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Document Number | 0065390493 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 6539/493 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 18 BORDER ST, BLACK MOUNTAIN, NC 28711 |
| Document Number | 0058801530 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 BORDER ST BLACK MOUNTAIN NC 28711, BLACK MOUNTAIN, NC 28711 |
| Document Number | 0058801530 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 005880/001530 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2050 |
Source: Buncombe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,678.00 (+8.05%) | $256,800 (-) | |
| 2023 | $1,553.00 | $256,800 | $256,800 (-) Land $28,800 Building $228,000 |
| 2021 | $256,800 Land $28,800 Building $228,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 108 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 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
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