3 Tree Top Dr, Arden, NC 28704 Property Records

Buncombe County property record for 3 Tree Top Dr, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,820 sqft · built 1997
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Feb 2018)
Tax Bill	$2,891 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`735874-2020-202`

Property Details

APN / Parcel Number

Primary APN	`735874-2020-202`
Alternative APNs	`9664-06-1143-00000` `966409060068000` `008116082`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,820 sqft Living Area
Gross Area	4,882 sqft
1st Floor Area	406 sqft
Upper Floors Area	54 sqft
Basement Area	1,336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.77 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	218 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	735874-2020-202
Street Address	3 TREE TOP DR
City	ARDEN
State	NC
Zip	28704-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: GLEN COVE LOT: 14 SECTION: 2 PLAT: 0049-0122
Legal Subdivision	GLEN COVE
Legal Block	1
Legal Lot Number	14
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	1
Census Block	1000
Census Tract	2205

Owner

Source: Buncombe County records, as of March 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 TREE TOP DR, ARDEN, NC 28704-3039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Feb 12, 2018	Warranty Deed, Transfer · ARM HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2018 · Amount on Record
Deed Sale	Feb 12, 2018 · Amount on Record
Prior Sale	Jul 16, 1997 · Amount on Record
Deed Book / Page	5636 / 324
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	3 TREE TOP DR, ARDEN, NC 28704-3039
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058920239
Date	May 1, 2020
Book Page	5892/239

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Feb 12, 2018
Property Address	3 TREE TOP DR, ARDEN, NC 28704-3039
Document Number	0056360324
Book / Page	5636 / 0324
Map Reference	MB 49 PG 122
Instrument Date	Feb 12, 2018
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Tax	$86.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 TREE TOP DR, 3, ARDEN, NC 28704-3039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 TREE TOP DR, ARDEN, NC 28704-3039

Mortgage

Document Number	0056360327
Date	Feb 12, 2018
Instrument	5636/0327

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

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	$2,891.00 (+4.71%)	$448,600 (-) Land $57,100 Building $391,500	$448,600 (-) Land $57,100 Building $391,500
2024	$2,761.00 (+3.29%)
2023	$2,673.00 (+1.71%)	$448,600 (-)	$448,600 (-) Land $57,100 Building $391,500
2022	$2,628.00	$448,600	$448,600 (-) Land $57,100 Building $391,500
2021			$448,600 Land $57,100 Building $391,500

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
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

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Optimum.

Cell Coverage

4G LTE only, no 5G reported

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