Buncombe County property record for 22 South St, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,270 sqft · built 2021 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,799 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0629-45-0019-00000 |
| Primary APN | 0629-45-0019-00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,270 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Architectural Style | Conventional |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 22 SOUTH ST |
|---|---|
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-0169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE:12/18/2017 DEED |
| Legal Description | DEED DATE:12/18/2017 DEED:5969-1151 SUBDIV:RIDGECREST LOT:15 17 & POR. 13 PLAT:0192-0046 |
| Legal Subdivision | RIDGECREST |
| Legal Lot Number | 13,15,1 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 3105 |
22 South St is owned by two individuals who acquired it in December 2017.
Source: Buncombe County records, as of September 24, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 206 YATES AVE, BLACK MOUNTAIN, NC 28711-9237 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 31, 2021 | Deed of Trust, Mortgage THE JAMES E AYDELOTTE REVOCABLE LIVING T |
| Oct 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2017 |
| Deed Sale | Dec 18, 2017 |
| Deed Document Number | 0059691151 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 22 SOUTH ST, BLACK MOUNTAIN, NC 28711-0169 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0061140679 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 6114/679 |
| Name | THE JAMES E AYDELOTTE REVOCABLE LIVING T |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 37 Months |
| Due | Aug 31, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 22 SOUTH ST, BLACK MOUNTAIN, NC 28711-0169 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0062711885 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 6271/1885 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.3% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.3% |
The 2025 property tax bill for 22 South St was $2,799.
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 | $2,799.00 | $428,400 | |
| 2023 | $2,591.00 | $428,400 | $428,400 Land $29,400 Building $399,000 |
| 2021 | $428,400 Land $29,400 Building $399,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 South St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.
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 File 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.
Wildfire risk around 22 South St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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