41 High Cliffs Trl, Black Mountain, NC 28711 Property Records

Buncombe County property record for 41 High Cliffs Trl, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,752 sqft · built 2019
Lot Size	11.9 acres (520,542 sqft)
Owner	Individual Name on Record
Last Sale	$828,500 (Jun 2026)
Tax Bill	$4,171 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`3025883-2020-20`

Property Details

APN / Parcel Number

Primary APN	`3025883-2020-20`
Alternative APNs	`3025883-2020-2020-0000-00` `0646-24-4617-00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,752 sqft Living Area
Gross Area	1,784 sqft
1st Floor Area	892 sqft
Basement Area	892 sqft
Finished Basement	860 sqft
Unfinished Basement	32 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Contemporary
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	520,542 sqft (11.9 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	74 sqft
Deck Area	174 sqft
Patio Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3025883-2020-20
Street Address	41 HIGH CLIFFS TRL
City	BLACK MOUNTAIN
State	NC
Zip	28711-8909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OU
Legal Description	SUBDIV: HIGH CLIFFS AT ROUND MOUNTAIN LOT: 1 PLAT: 0184-0189
Legal Subdivision	HIGH CLIFFS AT ROUND MOUNTAIN
Legal Block	1
Legal Lot Number	1
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BROAD RIVER
Census Block Group	1
Census Block	1019
Census Tract	3205

Owner

Source: Buncombe County records, as of June 23, 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	Individual Name on Record
Mailing Address	115 SEABURY DR, MOORESVILLE, NC 28117-6045
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Jan 23, 2019	Deed of Trust, Mortgage · Construction Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Nov 30, 2017 · Amount on Record
Deed Book / Page	6602 / 1832
Prior Transfer Date	Nov 11, 2020
Prior Transfer Doc	0059810283
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jun 16, 2026
Property Address	41 HIGH CLIFFS TRL, BLACK MOUNTAIN, NC 28711-8909
Document Number	6602001832
Book / Page	6602 / 1832
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167,357.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SEABURY DR, MOORESVILLE, NC 28117-6045

Mortgage

Document Number	6602001835,
Date	Jun 16, 2026
Book Page	6602/1835

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	41 HIGH CLIFFS TRL, BLACK MOUNTAIN, NC 28711-8909
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057380017
Date	Jan 23, 2019
Book Page	5738/0017

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

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	$4,171.00 (+4.61%)	$569,800 (-) Land $195,400 Building $374,400	$569,800 (-) Land $195,400 Building $374,400
2024	$3,987.00 (+6.35%)
2023	$3,749.00	$569,800	$569,800 (-) Land $195,400 Building $374,400
2021			$569,800 Land $195,400 Building $374,400

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	2 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	3 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	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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