20 Maple St, Fletcher, NC 28732 Property Records

Buncombe County property record for 20 Maple St, Fletcher, NC 28732 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,996 sqft · built 2005
Lot Size	1.17 acres (51,401 sqft)
Owner	2 Individual Names on File
Last Sale	$48,000 (Oct 2004)
Tax Bill	$3,224 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9664-45-9687-00000`

Property Details

APN / Parcel Number

Primary APN	`9664-45-9687-00000`
Alternative APN	`966410459600000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,996 sqft Living Area
Gross Area	4,176 sqft
1st Floor Area	1,816 sqft
2nd Floor Area	1,180 sqft
Basement Area	1,180 sqft
Unfinished Basement	1,180 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,401 sqft (1.17 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	966410459600000
Street Address	20 MAPLE ST
City	FLETCHER
State	NC
Zip	28732-9497
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEED DATE: 10/29/2004 DEED: 3823-0762 SUBDIV: MARIA ARNSTEIN BLOCK: LOT: 17 SECTION: PLAT: 0034-0019
Legal Subdivision	MARIA ARNSTEIN
Legal Lot Number	17
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	3
Census Block	3010
Census Tract	3202

Owner

Source: Buncombe County records · APN 9664-45-9687-00000

Assessment roll updated January 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	20 MAPLE ST, FLETCHER, NC 28732-9497
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 06, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 06, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2004 · Amount on Record
Deed Sale	Oct 29, 2004 · Amount on Record
Deed Document Number	0003823762
Deed Book / Page	3823 / 762
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	20 MAPLE ST, FLETCHER, NC 28732-9497
Transaction Type	Mortgage
Record Updated	May 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062110689
Date	Apr 25, 2022
Book Page	6211/689

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 01, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	5-Year CMT
Max Rate	8.75%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	20 MAPLE ST, FLETCHER, NC 28732-9497
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	LENDER RECORDING SERVICES IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055870316
Date	Sep 06, 2017
Book Page	5587/0316

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	ASHEVILLE, NC 28803

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	20 MAPLE ST, FLETCHER, NC 28732-9497
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055870300
Date	Sep 06, 2017
Book Page	5587/0300

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Buncombe County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,224.00 (+8.15%)	$500,300 (-)
2023	$2,981.00	$500,300	$500,300 (-) Land $56,500 Building $443,800
2021			$500,300 Land $56,500 Building $443,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Buncombe County (37021C), updated April 9, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370210032023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2004–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2018, rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 909 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 29 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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