25 Sumter St, Arden, NC 28704 Property Records

Buncombe County property record for 25 Sumter St, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1996
Lot Size	0.389 acres (16,988 sqft)
Owner	Owner Name on File
Last Sale	$155,000 (Sep 2006)
Tax Bill	$1,198 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9654-51-4348-00000`

Property Details

APN / Parcel Number

Primary APN	`9654-51-4348-00000`
Alternative APN	`965419513374000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.389 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	112 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	965419513374000
Street Address	25 SUMTER ST
City	ARDEN
State	NC
Zip	28704-9595
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 09/21/2006 DEE
Legal Description	DEED DATE: 09/21/2006 DEED: 4288-0698 SUBDIV: MOUNTAIN HEIGHTS BLOCK: LOT: 18 & POR 19 SECTION: PLAT: 0154-125A
Legal Subdivision	MOUNTAIN HEIGHTS
Legal Block	5
Legal Lot Number	18-19
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	1
Census Block	1013
Census Tract	2205

Owner

The current owner of 25 Sumter St bought it in September 2006.

Source: Buncombe County records, as of September 24, 2025

Owner of Record	Owner Name on File
Mailing Address	25 SUMTER ST, ARDEN, NC 28704-9595
Occupancy	Owner Occupied

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
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage SANDRA J E JONES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2006 · Amount on File
Deed Sale	Sep 21, 2006 · Amount on File
Deed Document Number	0004288698
Deed Book / Page	4288 / 698
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	25 SUMTER ST, ARDEN, NC 28704-9595
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060100984
Date	Jan 25, 2021
Book Page	6010/984

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	25 SUMTER ST, ARDEN, NC 28704-9595
Document Number	0060100975
Instrument Date	Jan 22, 2021
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8023 ASHEVILLE NC 288148023, ASHEVILLE, NC 28814-8023

Mortgage

Document Number	0060100975
Date	Jan 25, 2021
Book Page	006010/000975

Lender

Name	SANDRA J E JONES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 24, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 25 Sumter St was $1,198.

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	$1,198.00	$185,900
2023	$1,217.00	$204,300	$204,300 Land $40,700 Building $163,600
2021			$185,900 Land $40,700 Building $145,200

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

Flood

FEMA maps place 25 Sumter St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

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	5 in force
Nearby Flood Claims	4 (1980–2024)
Claims Outside the SFHA	1 of 4
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 25 Sumter St 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	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	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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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