Buncombe County property record for 5 Border St, Black Mountain, NC 28711
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 804 sqft · built 1930 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $62,932 (Feb 2016) |
| Tax Bill | $726 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 748201-2020-202 |
| Primary APN | 748201-2020-202 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 804 sqft Living Area |
| Gross Area | 1,004 sqft |
| 1st Floor Area | 804 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Porch | Enclosed Porch |
| Porch Area | 270 sqft |
| Canopy | 252 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 748201-2020-202 |
|---|---|
| Street Address | 5 BORDER ST |
| City | BLACK MOUNTAIN |
| State | NC |
| Zip | 28711-8438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SUBDIV: RIDGECREST LOT: PTS 6 & 7 BLOCK: 2 PLAT: 0154-0038 |
| Legal Subdivision | RIDGECREST |
| Legal Block | 2 |
| Legal Lot Number | 6-7 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | BLACK MOUNTAIN |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 3105 |
Source: Buncombe County records, as of September 22, 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 | 5 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Aug 3, 2020 | Deed of Trust, Mortgage BAXTER CU |
| Jul 31, 2017 | Special Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2016 · Amount on Record |
| Deed Sale | Feb 4, 2016 · Amount on Record |
| Prior Sale | Oct 5, 2004 · Amount on Record |
| Deed Book / Page | 5394 / 1648 |
| Prior Transfer Date | Feb 3, 2016 |
| Prior Transfer Doc | 0053941648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 5 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0061160869 |
|---|---|
| Date | Sep 3, 2021 |
| Book Page | 6116/869 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 5 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0059610516 |
|---|---|
| Date | Oct 12, 2020 |
| Book Page | 5961/516 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 5 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Document Number | 0059611310 |
| Instrument Date | Aug 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5 KING VIEW DR FLETCHER NC 287327813, FLETCHER, NC 28732-7813 |
| Document Number | 0059611310 |
|---|---|
| Date | Oct 12, 2020 |
| Book Page | 005961/001310 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | 340 N MILWAUKEE AVE, VERNON HILLS, IL 60061-1533 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 11, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Recording Date | Jul 31, 2017 |
| Property Address | 5 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Document Number | 0055751787 |
| Book / Page | 5575 / 1787 |
| Map Reference | MB 154 PG 38 |
| Instrument Date | Jun 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 5 BORDER ST, BLACK MOUNTAIN, NC 28711-8438 |
| Document Number | 55751791 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 5575/1791 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
Source: Buncombe County assessment roll, as of September 22, 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 | $726.00 (+4.76%) | $111,100 (-) Land $27,500 Building $83,600 | $111,100 (-) Land $27,500 Building $83,600 |
| 2024 | $693.00 (+3.13%) | ||
| 2023 | $672.00 | $111,100 | $111,100 (-) Land $27,500 Building $83,600 |
| 2021 | $111,100 Land $27,500 Building $83,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 1 of 4 |
| 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 | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROYAL GORGE WATER UTILITY private · serves 950 people · EPA ID NC0111118 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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