474 N Fork Rd, Black Mountain, NC 28711 Property Records

Buncombe County property record for 474 N Fork Rd, Black Mountain, NC 28711

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,572 sqft · built 1976
Lot Size	0.839 acres (36,590 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Dec 2022)
Tax Bill	$2,018 (2025)
Deeds & Mortgages	Dec 2022 Sale & Construction Loan May 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`0700-74-2740-00000`

Property Details

APN / Parcel Number

Primary APN	`0700-74-2740-00000`
Alternative APN	`070074454700000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,572 sqft Living Area
Gross Area	1,559 sqft
1st Floor Area	1,265 sqft
Basement Area	294 sqft
Unfinished Basement	294 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,590 sqft (0.839 acres)
Porch	Open Porch
Porch Area	384 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	070074454700000
Street Address	474 N FORK RD
City	BLACK MOUNTAIN
State	NC
Zip	28711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 2022-12-07 DEE
Legal Description	DEED DATE: 2022-12-07 DEED: 6281-805 SUBDIV: BLOCK: LOT: SECTION: PLAT: 0225-0121
Jurisdiction	BUNCOMBE NC
Township / Civil Division	BLACK MOUNTAIN
Census Block Group	1
Census Block	1002
Census Tract	3107

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
Co-owner	Co-owner on Record
Mailing Address	478 N FORK RD, BLACK MOUNTAIN, NC 28711-8762
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Warranty Deed, Construction Loan · Construction Mortgage HOMETRUST BANK
May 19, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2022 · Amount on Record
Deed Sale	Dec 7, 2022 · Amount on Record
Prior Sale	May 19, 2022 · Amount on Record
Deed Document Number	0006281805
Deed Book / Page	6281 / 805
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Dec 7, 2022
Property Address	474 N FORK RD, BLACK MOUNTAIN, NC 28711-8762
Document Number	0062810805
Book / Page	6281 / 805
Map Reference	MB 225 PG 121
Instrument Date	Dec 2, 2022
Transaction Type	Construction Loan
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 PARKWAY VISTA DR, ASHEVILLE, NC 28805-1768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 N FORK RD, BLACK MOUNTAIN, NC 28711-8762

Mortgage

Document Number	0006281808
Date	Dec 7, 2022
Instrument	6281/808

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	Other
Margin	3
Max Rate	10.1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	May 19, 2022
Property Address	474 N FORK RD, BLACK MOUNTAIN, NC 28711-8762
Document Number	0062201884
Book / Page	6220 / 1884
Map Reference	MB 225 PG 121
Instrument Date	May 16, 2022
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 SUNSET RD, NEVILS, GA 31321-9471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PARKWAY VISTA DR, ASHEVILLE, NC 28805-1768

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	$2,018.00 (+40.33%)	$308,800 (+29.86%)
2023	$1,438.00	$237,800	$237,800 (-22.99%) Land $57,100 Building $180,700
2021			$308,800 Land $37,100 Building $271,700

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	2 of 2
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 53% of the US · above 75% 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.

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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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