Buncombe County property record for 3 Main St, Asheville, NC 28803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 960 sqft · built 1931 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,000 (Nov 2016) |
| Tax Bill | $1,815 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9658-10-0039-00000 |
| Primary APN | 9658-10-0039-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 240 sqft |
| Unfinished Basement | 720 sqft |
| Flooring | Hardwood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.289 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Patio Area | 216 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 965817009063000 |
|---|---|
| Street Address | 3 MAIN ST |
| City | ASHEVILLE |
| State | NC |
| Zip | 28803-1427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE:11/07/2016 DEED |
| Legal Description | DEED DATE:11/07/2016 DEED:5488-0357 PLAT:0000-0000 |
| Legal Subdivision | JOHN R MILLER SURV |
| Legal Lot Number | 9063 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | ASHEVILLE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 2000 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3 MAIN ST, ASHEVILLE, NC 28803-1427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 20, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CHAMPION CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2016 · Amount on Record |
| Deed Sale | Nov 7, 2016 · Amount on Record |
| Prior Sale | Mar 3, 2008 · Amount on Record |
| Deed Document Number | 0005488357 |
| Deed Book / Page | 5488 / 357 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 3 MAIN ST, ASHEVILLE, NC 28803-1427 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0063851895 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 6385/1895 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 650 S TRYON ST # 88, CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 13, 2054 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 3 MAIN ST, ASHEVILLE, NC 28803-1427 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062591226 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 6259/1226 |
| Name | CHAMPION CU |
|---|---|
| Type | Credit Union |
| Address | CANTON, NC 28716 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
Source: Buncombe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Municipality | Asheville City |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,815.00 (+9.67%) | $183,700 (-) | |
| 2023 | $1,655.00 | $183,700 | $183,700 (-) Land $73,200 Building $110,500 |
| 2021 | $183,700 Land $73,200 Building $110,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 30 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 40 units insured incl. 10 condo units |
| Nearby Flood Claims | 98 (1995–2024) |
| Claims Outside the SFHA | 5 of 98 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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