23 Ratcliff Ridge Rd, Alexander, NC 28701 Property Records

Buncombe County property record for 23 Ratcliff Ridge Rd, Alexander, NC 28701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 1958
Lot Size	1.63 acres (71,003 sqft)
Owner	Individual Name on Record
Tax Bill	$1,530 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9711-72-8876-00000`

Property Details

APN / Parcel Number

Primary APN	`9711-72-8876-00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Architectural Style	Conventional
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,003 sqft (1.63 acres)
Garage Type	Basement
Porch	Open Porch
Deck Area	120 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	23 RATCLIFF RIDGE RD
City	ALEXANDER
State	NC
Zip	28701-0090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE:11/05/2015 DEED
Legal Description	DEED DATE:11/05/2015 DEED:5370-0936 LOT:1 PLAT:0189-0053
Legal Subdivision	A
Legal Lot Number	1
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LEICESTER
Census Block Group	1
Census Block	1000
Census Tract	2606

Owner

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	Individual Name on Record
Mailing Address	PO BOX 8353, ASHEVILLE, NC 28814-8353
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Line of Credit MOUNTAIN CU
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Apr 22, 2019	Deed of Trust, Mortgage · Line of Credit MOUNTAIN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2015
Deed Sale	Nov 5, 2015
Deed Document Number	0005370936
Deed Book / Page	5370 / 0936
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	23 RATCLIFF RIDGE RD, ALEXANDER, NC 28701-0090
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059480526
Date	Sep 14, 2020
Book Page	5948/526

Lender

Name	MOUNTAIN CU
Type	Credit Union
Address	WAYNESVILLE, NC 28786

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	23 RATCLIFF RIDGE RD, ALEXANDER, NC 28701-0090
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059241067
Date	Jul 22, 2020
Book Page	5924/1067

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	23 RATCLIFF RIDGE RD, ALEXANDER, NC 28701-0090
Document Number	0057631617
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 RATCLIFF RIDGE RD ALEXANDER NC 287010090, ALEXANDER, NC 28701-0090

Mortgage

Document Number	0057631617
Date	Apr 25, 2019
Book Page	005763/001617

Lender

Name	MOUNTAIN CU
Type	Credit Union
Address	WAYNESVILLE, NC 28786

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 24, 2044

Interest

Rate Type	Adjustable Rate

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	$1,530.00 (+12.25%)	$219,700 (+2%)
2023	$1,363.00	$215,400	$215,400 (-1.96%) Land $46,000 Building $169,400
2021			$219,700 Land $31,000 Building $188,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (2004–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims Hurricane Ivan, Sep 2004 · 2 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	Moderate above 69% of the US · above 91% of North Carolina
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	WOODFIN SANITARY WATER AND SEWER serves 10,122 people · EPA ID NC0111015
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2024
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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