20 Border St, Black Mountain, NC 28711 Property Records

Buncombe County property record for 20 Border St, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 2018
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Tax Bill	$1,935 (2025)
Deeds & Mortgages	Apr 2021 Sale Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0629-45-3597-00000`

Property Details

APN / Parcel Number

Primary APN	`0629-45-3597-00000`
Alternative APN	`062945359200000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,617 sqft Living Area
1st Floor Area	990 sqft
2nd Floor Area	627 sqft

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	062945359200000
Street Address	20 BORDER ST
City	BLACK MOUNTAIN
State	NC
Zip	28711-8438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE:02/07/2014 DEED
Legal Description	DEED DATE:02/07/2014 DEED:5184-1116 SUBDIV:RIDGECREST LOT:755-A PLAT:0160-0062
Legal Subdivision	RIDGECREST
Legal Lot Number	755-A
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	3
Census Block	3012
Census Tract	3105

Owner

Source: Buncombe County records, as of September 24, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	20 BORDER ST, BLACK MOUNTAIN, NC 28711-8438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Warranty Deed, Transfer
Sep 30, 2019	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021
Deed Sale	Apr 30, 2021
Deed Document Number	0006059104
Deed Book / Page	6059 / 104
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Apr 30, 2021
Property Address	20 BORDER ST, BLACK MOUNTAIN, NC 28711-8438
Document Number	0060590104
Book / Page	6059 / 104
Map Reference	MB 160 PG 62
Instrument Date	Apr 9, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 691, SWANNANOA, NC 28778-0691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BORDER ST, BLACK MOUNTAIN, NC 28711-8438

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Sep 30, 2019
Property Address	20 BORDER ST, BLACK MOUNTAIN, NC 28711-8438
Document Number	0058161393
Book / Page	5816 / 1393
Map Reference	MB 160 PG 62
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 691, SWANNANOA, NC 28778-0691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BORDER ST, BLACK MOUNTAIN, NC 28711-8438

Mortgage

Document Number	58161397
Date	Sep 30, 2019
Instrument	5816/1397

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

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

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of January 1, 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	$1,935.00 (+8.04%)	$296,200 (-)
2023	$1,791.00	$296,200	$296,200 (-) Land $29,000 Building $267,200
2021			$296,200 Land $29,000 Building $267,200

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 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.

Internet Providers

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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