23 Oak Leaf Ln, Arden, NC 28704 Property Records

Buncombe County property record for 23 Oak Leaf Ln, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1964
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$155,500 (Sep 2018)
Tax Bill	$1,291 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`708226-2020-202`

Property Details

APN / Parcel Number

Primary APN	`708226-2020-202`
Alternative APNs	`9654-85-2765-00000` `965412851790000` `008254577`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	2,112 sqft
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	264 sqft
Unfinished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	128 sqft
Patio Area	308 sqft
Canopy	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	708226-2020-202
Street Address	23 OAK LEAF LN
City	ARDEN
State	NC
Zip	28704-3035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: MOUNTAIN VIEW LOT: 17 BLOCK: C SECTION: 2 PLAT: 0032-0144
Legal Subdivision	MOUNTAIN VIEW
Legal Block	C
Legal Lot Number	17
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	2
Census Block	2012
Census Tract	2205

Owner

23 Oak Leaf Ln is owned and occupied by two individuals who bought it in September 2018.

Source: Buncombe County records, as of September 22, 2025

Owner of Record	2 Individual Names on File
Mailing Address	23 OAK LEAF LN, ARDEN, NC 28704-3035
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 17, 2018	Warranty Deed, Transfer · FHA Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2018 · Amount on File
Deed Sale	Sep 17, 2018 · Amount on File
Prior Sale	Apr 12, 2012 · Amount on File
Deed Book / Page	5703 / 122
Prior Transfer Date	Sep 14, 2018
Prior Transfer Doc	0057030122
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	23 OAK LEAF LN, ARDEN, NC 28704-3035
Transaction Type	Mortgage
Record Updated	May 6, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060551901
Date	Apr 26, 2021
Book Page	6055/1901

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Sep 17, 2018
Property Address	23 OAK LEAF LN, ARDEN, NC 28704-3035
Document Number	0057030122
Book / Page	5703 / 0122
Map Reference	MB 32 PG 144
Instrument Date	Sep 14, 2018
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6875, HORSE SHOE, NC 28742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 OAK LEAF LN, ARDEN, NC 28704-3035

Mortgage

Document Number	57030125
Date	Sep 17, 2018
Instrument	5703/0125

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23 Oak Leaf Ln was $1,291, up 4.7% from the year before.

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	$1,291.00 (+4.7%)	$200,400 Land $40,400 Building $160,000	$200,400 Land $40,400 Building $160,000
2024	$1,233.00 (+3.27%)
2023	$1,194.00	$200,400	$200,400 Land $40,400 Building $160,000
2021			$200,400 Land $40,400 Building $160,000

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

Flood

FEMA maps place 23 Oak Leaf Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2013.

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	3 in force
Nearby Flood Claims	6 (2013–2024)
Claims Outside the SFHA	4 of 6
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

Wildfire risk around 23 Oak Leaf Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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