Buncombe County property record for 401 E State St, Black Mountain, NC 28711
| Property Type | Restaurant |
|---|---|
| Details | 3,489 sqft · built 1964 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Aug 2020) |
| Tax Bill | $2,738 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 689719-2020-202 |
| Primary APN | 689719-2020-202 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,489 sqft Gross Area |
| 1st Floor Area | 3,489 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 44,867 sqft (1.03 acres) |
| Porch | Enclosed Porch |
| Porch Area | 120 sqft |
| Deck Area | 1,448 sqft |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 689719-2020-202 |
|---|---|
| Street Address | 401 E STATE ST |
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-3518 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | HB-8 |
| Legal Description | PLAT: 0000-0000 |
| Legal Block | 3 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 3105 |
Source: Buncombe County records · APN 689719-2020-202
Assessment roll updated September 22, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 401 E STATE ST, BLACK MOUNTAIN, NC 28711-3518 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Aug 04, 2020 | Warranty Deed, Transfer · Conventional with PMI R2M 401 ESTATE LLC |
| Mar 19, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 04, 2020 · Amount on Record |
| Deed Sale | Aug 04, 2020 · Amount on Record |
| Deed Book / Page | 5931 / 133 |
| Prior Transfer Date | Aug 30, 2013 |
| Prior Transfer Doc | 0051430524 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 401 E STATE ST, BLACK MOUNTAIN, NC 28711-3518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 502 W STATE ST, BLACK MOUNTAIN, NC 28711-2746 |
| Document Number | 0065591489 |
|---|---|
| Date | Jan 15, 2026 |
| Book Page | 6559/1489 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | BLACK MOUNTAIN, NC 28711 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Aug 04, 2020 |
| Property Address | 401 E STATE ST, BLACK MOUNTAIN, NC 28711-3518 |
| Document Number | 0059310133 |
| Book / Page | 005931 / 000133 |
| Instrument Date | Aug 03, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $950.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 E STATE ST BLACK MOUNTAIN NC 287113518, BLACK MOUNTAIN, NC 28711-3518 |
| Document Number | 59310136 |
|---|---|
| Date | Aug 04, 2020 |
| Book Page | 005931/000136 |
| Name | R2M 401 ESTATE LLC |
|---|---|
| Address | 101 E WASHINGTON ST, GREENVILLE, SC 29601-4807 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 03, 2025 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Mar 19, 2020 |
| Property Address | 401 E STATE ST, BLACK MOUNTAIN, NC 28711-3518 |
| Document Number | 0058760727 |
| Book / Page | 005876 / 000727 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 36 FOUNTAIN INN SC 296440036, FOUNTAIN INN, SC 29644-0036 |
Source: Buncombe County records · Assessment roll updated September 22, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Municipality | Black Mountain Town |
| Unified School District | Buncombe County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,738.00 (-30.21%) | $315,600 (-32.55%) Land $251,300 Building $64,300 | $315,600 (-32.55%) Land $251,300 Building $64,300 |
| 2024 | $3,923.00 (+2.37%) | ||
| 2023 | $3,832.00 | $467,900 | $467,900 (+48.26%) Land $251,300 Building $216,600 |
| 2021 | $315,600 Land $251,300 Building $64,300 |
Source: FEMA National Flood Hazard Layer as of April 9, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 289 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF BLACK MOUNTAIN serves 11,976 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 9 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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