Buncombe County property record for 20 Florida Ave, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 1,984 sqft · built 1945 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Company Name on Record |
| Last Sale | $40,000 (Dec 2016) |
| Tax Bill | $4,087 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0629-86-2889-00000 |
| Primary APN | 0629-86-2889-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 3,968 sqft |
| 1st Floor Area | 3,858 sqft |
| Basement Area | 1,984 sqft |
| Finished Basement | 1,874 sqft |
| Unfinished Basement | 110 sqft |
| Year Built | Built 1945 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,890 sqft (0.25 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 1,008 sqft |
| Patio Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 062986380800000 |
|---|---|
| Street Address | 20 FLORIDA AVE |
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE:12/22/2016 DEED |
| Legal Description | DEED DATE:12/22/2016 DEED:5504-1819 SUBDIV:RIDGECREST LOT:PT 424 BLOCK:11 PLAT:0154-0050 |
| Legal Subdivision | RIDGECREST |
| Legal Block | 11 |
| Legal Lot Number | 424 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 9568, ASHEVILLE, NC 28815-0568 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LENDSURE MORTGAGE CORP |
| Mar 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LENDSURE MORTGAGE CORP |
| May 16, 2019 | Deed of Trust, Mortgage CAROLINA HARD MONEY |
| Sep 20, 2018 | Trustee's Deed, Construction Loan · Line of Credit VALLEY SONG HM REDEV 357 (CT) |
| Sep 20, 2018 | Loan Modification, Mortgage BOBBY R LANEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2016 · Amount on Record |
| Deed Sale | Dec 22, 2016 · Amount on Record |
| Deed Document Number | 0055041819 |
| Deed Book / Page | 5504 / 1819 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 20 FLORIDA AVE, BLACK MOUNTAIN, NC 28711 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0065460886 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 6546/886 |
| Name | LENDSURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92128 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 20 FLORIDA AVE, BLACK MOUNTAIN, NC 28711 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 34 GOLDMONT ST, BLACK MOUNTAIN, NC 28711-2790 |
| Document Number | 0063060875 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 6306/875 |
| Name | LENDSURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92128 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 20 FLORIDA AVE, BLACK MOUNTAIN, NC 28711 |
| Document Number | 0057701599 |
| Instrument Date | May 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 FLORIDA AVE BLACK MOUNTAIN NC 28711, BLACK MOUNTAIN, NC 28711 |
| Document Number | 0057701599 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 005770/001599 |
| Name | CAROLINA HARD MONEY |
|---|---|
| Address | ROCK HILL, SC 29730 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | May 15, 2024 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Sep 20, 2018 |
| Property Address | 20 FLORIDA AVE, BLACK MOUNTAIN, NC 28711 |
| Document Number | 0057040227 |
| Book / Page | 005704 / 000227 |
| Instrument Date | Sep 20, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2B HUNTSMAN PL ASHEVILLE NC 288032600, ASHEVILLE, NC 28803-2600 |
| Document Number | 57040227 |
|---|---|
| Date | Sep 20, 2018 |
| Book Page | 005704/000227 |
| Name | VALLEY SONG HM REDEV 357 (CT) |
|---|---|
| Address | GASTONIA, NC 28054 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 19, 2019 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 20 FLORIDA AVE, BLACK MOUNTAIN, NC 28711 |
| Document Number | 0057111253 |
| Instrument Date | Sep 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0057111253 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | 005711/001253 |
| Name | BOBBY R LANEY |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Oct 15, 2019 |
| Rate | 10% |
|---|
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 | $4,087.00 (+13.69%) | $594,400 (-) | |
| 2023 | $3,595.00 | $594,400 | $594,400 (-) Land $28,500 Building $565,900 |
| 2021 | $594,400 Land $28,500 Building $565,900 |
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 | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 36 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 |
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