4 Spring Valley Ct, Arden, NC 28704 Property Records

Buncombe County property record for 4 Spring Valley Ct, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,629 sqft · built 1977
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jul 2023)
Tax Bill	$1,423 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`639668-2020-202`

Property Details

APN / Parcel Number

Primary APN	`639668-2020-202`
Alternative APNs	`9634-77-7000-00000` `963412766935000` `008235473`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,629 sqft Living Area
Gross Area	2,351 sqft
1st Floor Area	1,160 sqft
Basement Area	1,159 sqft
Finished Basement	469 sqft
Unfinished Basement	690 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Stoop
Porch Area	32 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	639668-2020-202
Street Address	4 SPRING VALLEY CT
City	ARDEN
State	NC
Zip	28704-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: SPRING VALLEY BLOCK: LOT: 13 SECTION: PLAT: 0042-0028
Legal Subdivision	SPRING VALLEY
Legal Block	3
Legal Lot Number	13
Jurisdiction	BUNCOMBE NC
Township / Civil Division	AVERY CREEK
Census Block Group	3
Census Block	3007
Census Tract	2303

Owner

Source: Buncombe County assessment roll, as of September 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Aug 29, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOMETRUST BANK
May 31, 2017	Warranty Deed, Transfer · ARM

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Book / Page	6332 / 920
Prior Transfer Date	Apr 1, 2021
Prior Transfer Doc	0060460461
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707

Mortgage

Document Number	0065551212
Date	Dec 30, 2025
Book Page	6555/1212

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Oct 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 5, 2023
Property Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707
Document Number	0063320920
Book / Page	6332 / 920
Map Reference	MB 42 PG 28
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 MCGRAW LANE, HENDERSONVILLE, NC 28792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707

Mortgage

Document Number	0006332923
Date	Jul 5, 2023
Instrument	6332/923

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707

Mortgage

Document Number	0062530510
Date	Aug 29, 2022
Book Page	6253/510

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUNCOMBE NC
Recording Date	Apr 6, 2021
Property Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707
Document Number	0060460461
Book / Page	6046 / 461
Map Reference	MB 42 PG 28
Instrument Date	Apr 1, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707

Mortgage

Document Number	6046465
Date	Apr 6, 2021
Instrument	6046/465

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	May 31, 2017
Property Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707
Document Number	0055541932
Book / Page	5554 / 1932
Map Reference	MB 42 PG 28
Instrument Date	May 30, 2017
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 PULLIAM ST, 91, MARION, NC 28752-3937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRING VALLEY CT, ARDEN, NC 28704-9707

Mortgage

Document Number	, 5554/1935
Date	May 31, 2017
Instrument	5554/1935

Lender

Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

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	$1,423.00 (+4.71%)	$220,800 (-1.12%) Land $35,300 Building $185,500	$220,800 (-1.12%) Land $35,300 Building $185,500
2024	$1,359.00 (+2.18%)
2023	$1,330.00 (+1.68%)	$223,300 (-)	$223,300 (-) Land $35,300 Building $188,000
2022	$1,308.00	$223,300	$223,300 (+1.13%) Land $35,300 Building $188,000
2021			$220,800 Land $35,300 Building $185,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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