18 Tree Top Dr, Arden, NC 28704 Property Records

Buncombe County property record for 18 Tree Top Dr, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,439 sqft · built 1987
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (May 2019)
Tax Bill	$3,148 (2025)
Deeds & Mortgages	May 2022 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`740147-2020-202`

Property Details

APN / Parcel Number

Primary APN	`740147-2020-202`
Alternative APNs	`9664-05-2179-00000` `966409051193000` `008230243`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,439 sqft Living Area
Gross Area	4,806 sqft
1st Floor Area	1,604 sqft
Upper Floors Area	300 sqft
Basement Area	1,274 sqft
Finished Basement	435 sqft
Unfinished Basement	839 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	740147-2020-202
Street Address	18 TREE TOP DR
City	ARDEN
State	NC
Zip	28704-3003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: GLEN COVE LOT: 8 SECTION: 2 PLAT: 0049-0122
Legal Subdivision	GLEN COVE
Legal Block	1
Legal Lot Number	8
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	1
Census Block	1000
Census Tract	2205

Owner

Source: Buncombe County records, as of March 25, 2026

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
Mailing Address	18 TREE TOP DR, ARDEN, NC 28704-3003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage EQUITY RESOURCES INC
May 20, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Prior Sale	May 16, 2008 · Amount on Record
Deed Book / Page	5772 / 19
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	18 TREE TOP DR, ARDEN, NC 28704-3003
Transaction Type	Mortgage
Record Updated	Jun 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 TREE TOP DR, ARDEN, NC 28704-3003

Mortgage

Document Number	0062221501
Date	May 25, 2022
Book Page	6222/1501

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	18 TREE TOP DR, ARDEN, NC 28704-3003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059300722
Date	Aug 3, 2020
Book Page	5930/722

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	May 20, 2019
Property Address	18 TREE TOP DR, ARDEN, NC 28704-3003
Document Number	0057720019
Book / Page	5772 / 0019
Map Reference	MB 49 PG 122
Instrument Date	May 20, 2019
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	141 PORTER RD, 141, ASHEVILLE, NC 28803-9690

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 TREE TOP DR, ARDEN, NC 28704-3003

Mortgage

Document Number	57720022
Date	May 20, 2019
Instrument	5772/0022

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of September 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,148.00 (+4.69%)	$488,500 (-) Land $57,900 Building $430,600	$488,500 (-) Land $57,900 Building $430,600
2024	$3,007.00 (+3.3%)
2023	$2,911.00	$488,500	$488,500 (-) Land $57,900 Building $430,600
2021			$488,500 Land $57,900 Building $430,600

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1980–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 67% of the US · above 43% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
AT&T DSL	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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