351 N Fork Rd, Barnardsville, NC 28709 Property Records

Buncombe County property record for 351 N Fork Rd, Barnardsville, NC 28709

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,750 sqft · built 1980
Lot Size	1.97 acres (85,813 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Nov 2023)
Tax Bill	$1,750 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`681748-2020-202`

Property Details

APN / Parcel Number

Primary APN	`681748-2020-202`
Alternative APNs	`9785-27-0855-00000` `978500179800000` `008237495`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
Gross Area	2,516 sqft
1st Floor Area	1,286 sqft
Basement Area	1,230 sqft
Finished Basement	464 sqft
Unfinished Basement	766 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	85,813 sqft (1.97 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	98 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	681748-2020-202
Street Address	351 N FORK RD
City	BARNARDSVILLE
State	NC
Zip	28709-8708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OU
Legal Description	SUBDIV: BLOCK: LOT: SECTION: PLAT: 0000-0000
Legal Subdivision	SURVEY OF PROPERTY OF GEORGE W HARRIS
Legal Block	3
Jurisdiction	BUNCOMBE NC
Township / Civil Division	IVY
Census Block Group	3
Census Block	3000
Census Tract	2900

Owner

351 N Fork Rd is owned and occupied by two individuals who bought it in November 2023.

Source: Buncombe County records, as of June 11, 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	351 N FORK RD, BARNARDSVILLE, NC 28709-8708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Nov 1, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 30, 2017	Warranty Deed, Transfer · VA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2023 · Amount on File
Deed Sale	Nov 1, 2023 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Book / Page	6362 / 820
Prior Transfer Date	Jun 23, 2009
Prior Transfer Doc	0046981722
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Recording Date	May 29, 2026
Property Address	351 N FORK RD, BARNARDSVILLE, NC 28709-8708
Document Number	6597001328
Book / Page	6597 / 1328
Instrument Date	May 22, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 N FORK RD, BARNARDSVILLE, NC 28709-8708

Mortgage

Document Number	6597001328,
Date	May 29, 2026
Book Page	6597/1328

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Nov 1, 2023
Property Address	351 N FORK RD, BARNARDSVILLE, NC 28709-8708
Document Number	0063620820
Book / Page	6362 / 820
Instrument Date	Oct 27, 2023
Transaction Type	Transfer
Record Updated	Jan 9, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 GRAMERCY CT # CT1I, CT1I, MINOT AFB, ND 58704-1177

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	351 N FORK RD, BARNARDSVILLE, NC 28709-8708

Mortgage

Document Number	0063620825
Date	Nov 1, 2023
Book Page	6362/825

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.02%
Type Change Date	Nov 1, 2028
Change Frequency	5 Years
Min Rate At Change	5.02%
Max Rate At Change	9.02%
Index	5-Year TN
Max Rate	13%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jun 30, 2017
Property Address	351 N FORK RD, BARNARDSVILLE, NC 28709-8708
Document Number	0055651250
Book / Page	005565 / 001250
Instrument Date	Jun 27, 2017
Transaction Type	Transfer
Record Updated	Oct 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	351 N FORK RD BARNARDSVILLE NC 287098708, BARNARDSVILLE, NC 28709-8708

Mortgage

Document Number	55651253
Date	Jun 30, 2017
Book Page	005565/001253

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 351 N Fork Rd was $1,750, up 4% 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	$1,750.00 (+3.98%)	$228,300 Land $26,800 Building $201,500	$228,300 Land $26,800 Building $201,500
2024	$1,683.00 (-5.82%)
2023	$1,787.00	$249,000	$249,000 Land $41,800 Building $207,200
2021			$228,300 Land $26,800 Building $201,500

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

Flood

FEMA maps place 351 N Fork Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	40 (1995–2024)
Claims Outside the SFHA	8 of 40
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 19 claims Remnants Of Tropical Storm Fred, Aug 2021 · 6 claims Hurricane Ivan, Sep 2004 · 8 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

Wildfire risk around 351 N Fork Rd is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 85% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverStreet Networks Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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