264 N Fork Rd, Black Mountain, NC 28711 Property Records

Buncombe County property record for 264 N Fork Rd, Black Mountain, NC 28711

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,736 sqft · built 2017
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Owner Names on Record
Last Sale	$20,000 (May 2011)
Tax Bill	$2,894 (2025)
Deeds & Mortgages	Jul 2017 Construction Loan Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`0710-00-0733-00000`

Property Details

APN / Parcel Number

Primary APN	`0710-00-0733-00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Modular
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Porch	Open Porch
Deck Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	264 N FORK RD
City	BLACK MOUNTAIN
State	NC
Zip	28711-9489
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	DEED DATE: 05/02/2011 DEE
Legal Description	DEED DATE: 05/02/2011 DEED: 4881-0189 SUBDIV: PHOEBE F LEGGETT BLOCK: LOT: 1 SECTION: PLAT: 0128-0164
Legal Subdivision	PHOEBE F LEGGETT
Legal Lot Number	1
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	1
Census Block	1025
Census Tract	3106

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	2 Owner Names on Record
Mailing Address	264 N FORK RD, BLACK MOUNTAIN, NC 28711-9489
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2017	Deed of Trust, Mortgage · Construction Mortgage ASHEVILLE SAVINGS BANK SSB
Jul 18, 2018	Loan Modification, Mortgage · Conventional with PMI FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2011 · Amount on Record
Deed Sale	May 2, 2011 · Amount on Record
Prior Sale	Apr 29, 2011 · Amount on Record
Deed Document Number	0004881189
Deed Book / Page	4881 / 189
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	264 N FORK RD, BLACK MOUNTAIN, NC 28711-9489
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055711874
Date	Jul 20, 2017
Book Page	5571/1874

Lender

Name	ASHEVILLE SAVINGS BANK SSB
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Aug 1, 2019
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	1-Year T-Bill
Max Rate	9.5%

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BUNCOMBE NC
Property Address	264 N FORK RD, BLACK MOUNTAIN, NC 28711-9489
Document Number	0056871717
Instrument Date	Jul 18, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	264 N FORK RD BLACK MOUNTAIN NC 28711, BLACK MOUNTAIN, NC 28711

Mortgage

Document Number	0056871717
Date	Jul 30, 2018
Book Page	005687/001717

Lender

Name	FIRST BK
Type	Bank
Address	TROY, NC 27371

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,894.00 (+6.95%)	$378,600 (+0.83%)
2023	$2,706.00	$375,500	$375,500 (-0.82%) Land $47,700 Building $327,800
2021			$378,600 Land $47,700 Building $330,900

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	11 (2004–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 9 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	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.05% 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	TOWN OF BLACK MOUNTAIN serves 11,976 people · EPA ID NC0111020
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	9 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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