Buncombe County property record for 49 Split Rock Trl, Arden, NC 28704 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 8,315 sqft · built 2022 |
| Lot Size | 4.25 acres (185,130 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Mar 2020) |
| Tax Bill | $21,036 (2025) |
| Deeds & Mortgages | Apr 2021 Construction Loan Mar 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3030910-2020-20 |
| Primary APN | 3030910-2020-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 8,315 sqft Living Area |
| Gross Area | 10,743 sqft |
| 1st Floor Area | 3,836 sqft |
| Basement Area | 4,887 sqft |
| Finished Basement | 4,479 sqft |
| Unfinished Basement | 408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 185,130 sqft (4.25 acres) |
| Garage Type | Attached |
| Garage Area | 1,064 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 3030910-2020-20 |
|---|---|
| Street Address | 49 SPLIT ROCK TRL |
| City | ARDEN |
| State | NC |
| Zip | 28704-0378 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIV: THE CLIFFS AT WALNUT COVE LOT: 4 PLAT: 0193-0143 |
| Legal Subdivision | THE CLIFFS AT WALNUT COVE |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | AVERY CREEK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 2303 |
Source: Buncombe County records · APN 3030910-2020-20
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 | 639 VENEZIA GRANDE DR, NAPLES, FL 34119-2378 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO |
| Mar 11, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 27, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 11, 2020 · Amount on Record |
| Deed Sale | Mar 11, 2020 · Amount on Record |
| Prior Sale | Dec 27, 2019 · Amount on Record |
| Deed Book / Page | 5873 / 1330 |
| Last Transfer Date | Feb 06, 2026 |
| Transfer Doc | 0065651259 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 49 SPLIT ROCK TRL, ARDEN, NC 28704-0378 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0060590377 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 6059/377 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | May 01, 2026 |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Mar 11, 2020 |
| Property Address | 49 SPLIT ROCK TRL, ARDEN, NC 28704-0378 |
| Document Number | 0058731330 |
| Book / Page | 005873 / 001330 |
| Instrument Date | Mar 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $850.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 29 LAUREN LN DORADO PR 006461902, DORADO, PR 00646-1902 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Dec 27, 2019 |
| Property Address | 49 SPLIT ROCK TRL, ARDEN, NC 28704-0378 |
| Document Number | 0058481349 |
| Book / Page | 005848 / 001349 |
| Instrument Date | Dec 16, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,790.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 639 VENEZIA GRANDE DR NAPLES FL 341192378, NAPLES, FL 34119-2378 |
Source: Buncombe County records · Assessment roll updated September 22, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| 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 | $21,036.00 (+4.71%) | $3,263,500 (+104.99%) Land $875,600 Building $2,387,900 | $3,263,500 (+104.99%) Land $875,600 Building $2,387,900 |
| 2024 | $20,090.00 (+111.74%) | ||
| 2023 | $9,488.00 | $1,592,000 | $1,592,000 (-51.22%) Land $875,600 Building $716,400 |
| 2021 | $3,263,500 Land $875,600 Building $2,387,900 |
Source: FEMA National Flood Hazard Layer, Buncombe County (37021C), updated April 9, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370210023031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 14 individual NFIP policies nearby |
| Nearby Flood Policies | 14 in force 10 of 14 on primary residences |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024, rainfall accumulation, Tropical Storm Helene |
| Wildfire Risk | Moderate above 45% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,235 per year |
| 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.
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