33 Tree Top Dr, Arden, NC 28704 Property Records

Buncombe County property record for 33 Tree Top Dr, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,126 sqft · built 1988
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jun 2009)
Tax Bill	$3,022 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`672886-2020-202`

Property Details

APN / Parcel Number

Primary APN	`672886-2020-202`
Alternative APNs	`9654-93-7917-00000` `965416936931000` `008237539`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	5,126 sqft Living Area
Gross Area	6,171 sqft
1st Floor Area	154 sqft
Basement Area	1,704 sqft
Finished Basement	1,500 sqft
Unfinished Basement	204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Frame Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Attached
Garage Area	659 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	472 sqft
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	672886-2020-202
Street Address	33 TREE TOP DR
City	ARDEN
State	NC
Zip	28704-3040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: GLEN COVE BLOCK: LOT: 17 SECTION: 5 PLAT: 0051-0095
Legal Subdivision	GLEN COVE
Legal Block	1
Legal Lot Number	17
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	1
Census Block	1000
Census Tract	2205

Owner

33 Tree Top Dr is owned and occupied by two individuals who bought it in June 2009.

Source: Buncombe County records, as of October 13, 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 File
Mailing Address	33 TREE TOP DR, ARDEN, NC 28704-3040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 12, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2009 · Amount on File
Deed Sale	Jun 30, 2009 · Amount on File
Deed Book / Page	4699 / 1484
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	33 TREE TOP DR, ARDEN, NC 28704-3040
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 TREE TOP DR, ARDEN, NC 28704-3040

Mortgage

Document Number	0060220228
Date	Feb 18, 2021
Book Page	6022/228

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	33 TREE TOP DR, ARDEN, NC 28704-3040
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060220218
Date	Feb 18, 2021
Book Page	6022/218

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	33 TREE TOP DR, ARDEN, NC 28704-3040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057430583
Date	Feb 12, 2019
Book Page	5743/0583

Lender

Name	SUNTRUST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 33 Tree Top Dr was $3,022, down 23% from the year before.

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	$3,022.00 (-22.97%)	$468,900 Land $57,800 Building $411,100	$468,900 Land $57,800 Building $411,100
2024	$3,923.00 (+3.29%)
2023	$3,798.00	$637,300	$637,300 Land $57,800 Building $579,500
2021			$468,900 Land $57,800 Building $411,100

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

Flood

FEMA maps place 33 Tree Top Dr 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 33 Tree Top Dr is low, with a 0.04% 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	0.04% 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	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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
AT&T DSL	100 / 20

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Tree Top Dr

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