46 Tree Top Dr, Arden, NC 28704 Property Records

Buncombe County property record for 46 Tree Top Dr, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,747 sqft · built 1988
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on Record
Last Sale	$890,000 (Sep 2024)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Jul 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9664-03-0357-00000`

Property Details

APN / Parcel Number

Primary APN	`9664-03-0357-00000`
Alternative APN	`965416939381000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,747 sqft Living Area
Gross Area	3,655 sqft
1st Floor Area	1,387 sqft
2nd Floor Area	1,134 sqft
Basement Area	1,134 sqft
Unfinished Basement	1,134 sqft
Flooring	Carpet
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Colonial
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,977 sqft (0.78 acres)
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Porch
Porch Area	194 sqft
Deck Area	672 sqft
Patio Area	636 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	965416939381000
Street Address	46 TREE TOP DR
City	ARDEN
State	NC
Zip	28704-3000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 2024-09-20 DEE
Legal Description	DEED DATE: 2024-09-20 DEED: 6439-1990 SUBDIV: GLEN COVE BLOCK: LOT: 6 SECTION: 5 PLAT: 0051-0095
Legal Subdivision	GLEN COVE
Legal Lot Number	6
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	1
Census Block	1000
Census Tract	2205

Owner

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	Individual Name on Record
Mailing Address	7740 BERGAMO AVE, SARASOTA, FL 34238-4764
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2024	Warranty Deed, Transfer · Conventional Mortgage ALLIANT CU
Jul 3, 2024	Correction Deed
Oct 25, 2021	Warranty Deed, Transfer · Line of Credit PARK PLACE FINANCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2024 · Amount on Record
Deed Sale	Sep 20, 2024 · Amount on Record
Prior Sale	Oct 25, 2021 · Amount on Record
Deed Document Number	0064391990
Deed Book / Page	6439 / 1990
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Sep 20, 2024
Property Address	46 TREE TOP DR, ARDEN, NC 28704-3000
Document Number	0064391990
Book / Page	6439 / 1990
Map Reference	MB 51 PG 95
Instrument Date	Sep 13, 2024
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7514 BIRDS EYE TER, BRADEN RIVER, FL 34203-7149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7740 BERGAMO AVE, SARASOTA, FL 34238-4764

Mortgage

Document Number	0000000641
Date	Sep 20, 2024
Instrument	64//1

Lender

Name	ALLIANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Max Rate	11%

July 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 3, 2024
Property Address	46 TREE TOP DR, ARDEN, NC 28704-3000
Document Number	0064210415
Book / Page	6421 / 415
Instrument Date	Jun 7, 2024
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Oct 25, 2021
Property Address	46 TREE TOP DR, ARDEN, NC 28704-3000
Document Number	0061381519
Book / Page	6138 / 1519
Map Reference	MB 51 PG 95
Instrument Date	Oct 19, 2021
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1081, YORKTOWN HEIGHTS, NY 10598-8081

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 E ST SE # 6, 6, WASHINGTON, DC 20003-2528

Mortgage

Document Number	0061381522
Date	Oct 25, 2021
Instrument	6138/1522

Lender

Name	PARK PLACE FINANCE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of January 1, 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	$3,281.00 (+24.9%)	$485,700 (+10.19%)
2023	$2,627.00	$440,800	$440,800 (-9.24%) Land $57,200 Building $383,600
2021			$485,700 Land $57,200 Building $428,500

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
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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