Buncombe County property record for 404 Ridge St, Candler, NC 28715
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1953 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $148,000 (Sep 2014) |
| Tax Bill | $1,462 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9607-54-8638-00000 |
| Primary APN | 9607-54-8638-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Flooring | Hardwood |
| Year Built | Built 1953 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,860 sqft (0.41 acres) |
| Terrain | Rolling |
| Garage Area | 480 sqft |
| Porch | Enclosed Porch |
| Porch Area | 308 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 960754864800000 |
|---|---|
| Street Address | 404 RIDGE ST |
| City | CANDLER |
| State | NC |
| Zip | 28715-7405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE: 09/03/2014 DEE |
| Legal Description | DEED DATE: 09/03/2014 DEED: 5240-0422 SUBDIV: ENKA CANDLER STORAGE,LLC BLOCK: LOT: 2 & 2A SECTION: PLAT: 0139-0082 |
| Legal Subdivision | ENKA CANDLER STORAGE,LLC |
| Legal Lot Number | 2,2A |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | UPPER HOMINY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 2505 |
Source: Buncombe County records, as of September 24, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 66 MCINTOSH LN, CANDLER, NC 28715-9289 |
| Date | Document |
|---|---|
| Sep 19, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Nov 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 18, 2019 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARC HOME LLC |
| Last Sale | Sep 3, 2014 · Amount on Record |
|---|---|
| Deed Sale | Sep 3, 2014 · Amount on Record |
| Prior Sale | May 12, 2008 · Amount on Record |
| Deed Document Number | 0005240422 |
| Deed Book / Page | 5240 / 422 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 404 RIDGE ST, CANDLER, NC 28715-7405 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062591404 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 6259/1404 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | ASHEVILLE, NC 28816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 404 RIDGE ST, CANDLER, NC 28715-7405 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0058340203 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 5834/0203 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 404 RIDGE ST, CANDLER, NC 28715-7405 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0058340217 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 5834/0217 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | ASHEVILLE, NC 28816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 404 RIDGE ST, CANDLER, NC 28715-7405 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0060011503 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 6001/1503 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2041 |
Source: Buncombe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,462.00 (+10.34%) | $214,500 (-) | |
| 2023 | $1,325.00 | $214,500 | $214,500 (-) Land $33,100 Building $181,400 |
| 2021 | $214,500 Land $33,100 Building $181,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2021–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 140 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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