40 Tree Top Dr, Arden, NC 28704 Property Records

Buncombe County property record for 40 Tree Top Dr, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,689 sqft · built 1991
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Sep 2019)
Tax Bill	$3,351 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`693997-2020-202`

Property Details

APN / Parcel Number

Primary APN	`693997-2020-202`
Alternative APNs	`9664-03-0764-00000` `965416939698000` `008163672`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,689 sqft Living Area
Gross Area	5,088 sqft
1st Floor Area	1,640 sqft
Basement Area	1,279 sqft
Finished Basement	705 sqft
Unfinished Basement	574 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,799 sqft (0.73 acres)
Garage Type	Attached
Garage Area	825 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	44 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	693997-2020-202
Street Address	40 TREE TOP DR
City	ARDEN
State	NC
Zip	28704-3000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: GLEN COVE LOT: 3 SECTION: 5 PLAT: 0051-0095
Legal Subdivision	GLEN COVE
Legal Block	1
Legal Lot Number	3
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 TREE TOP DR, ARDEN, NC 28704-3000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2017	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Sep 3, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2019 · Amount on Record
Deed Sale	Sep 3, 2019 · Amount on Record
Deed Book / Page	5807 / 178
Prior Transfer Date	Dec 11, 2007
Prior Transfer Doc	0044990833
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	40 TREE TOP DR, ARDEN, NC 28704-3000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055090460
Date	Jan 9, 2017
Book Page	5509/0460

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Sep 3, 2019
Property Address	40 TREE TOP DR, ARDEN, NC 28704-3000
Document Number	0058070178
Book / Page	005807 / 000178
Instrument Date	Sep 3, 2019
Transaction Type	Transfer
Record Updated	Sep 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	40 TREE TOP DR ARDEN NC 287043000, ARDEN, NC 28704-3000

Mortgage

Document Number	58070180
Date	Sep 3, 2019
Book Page	005807/000180

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

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	$3,351.00 (+4.72%)	$519,900 (-) Land $56,700 Building $463,200	$519,900 (-) Land $56,700 Building $463,200
2024	$3,200.00 (+3.29%)
2023	$3,098.00	$519,900	$519,900 (-) Land $56,700 Building $463,200
2021			$519,900 Land $56,700 Building $463,200

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 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

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