5 Ludgate Ln, Arden, NC 28704 Property Records

Buncombe County property record for 5 Ludgate Ln, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,934 sqft · built 2002
Lot Size	1.64 acres (71,438 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Jun 2018)
Tax Bill	$5,013 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`671606-2020-202`

Property Details

APN / Parcel Number

Primary APN	`671606-2020-202`
Alternative APNs	`9664-32-5662-00000` `966414324555000` `008192102`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,934 sqft Living Area
Gross Area	6,458 sqft
1st Floor Area	1,144 sqft
Basement Area	2,014 sqft
Finished Basement	1,438 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	71,438 sqft (1.64 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Screened Porch
Porch Area	220 sqft
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	671606-2020-202
Street Address	5 LUDGATE LN
City	ARDEN
State	NC
Zip	28704-9337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	SUBDIV: THE COTSWOLDS LOT: 68 PLAT: 0082-0058
Legal Subdivision	THE COTSWOLDS
Legal Block	3
Legal Lot Number	68
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	3
Census Block	3013
Census Tract	3202

Owner

5 Ludgate Ln is owned and occupied by two individuals who bought it in June 2018.

Source: Buncombe County records, as of March 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 LUDGATE LN, ARDEN, NC 28704-9337
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 12, 2018	Warranty Deed, Transfer · ARM FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2018 · Amount on File
Deed Sale	Jun 12, 2018 · Amount on File
Prior Sale	Mar 3, 2006 · Amount on File
Deed Book / Page	5672 / 576
Prior Transfer Date	Aug 4, 2003
Prior Transfer Doc	3347000297
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 LUDGATE LN, ARDEN, NC 28704-9337
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059931513
Date	Dec 16, 2020
Book Page	5993/1513

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jun 12, 2018
Property Address	5 LUDGATE LN, ARDEN, NC 28704-9337
Document Number	0056720576
Book / Page	5672 / 0576
Map Reference	MB 82 PG 58
Instrument Date	Jun 11, 2018
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 FATHERS DR, 111, PIEDMONT, SC 29673-6585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 LUDGATE LN, ARDEN, NC 28704-9337

Mortgage

Document Number	56720580
Date	Jun 12, 2018
Instrument	5672/0580

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 5 Ludgate Ln was $5,013, up 4.7% from the year before.

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	$5,013.00 (+4.7%)	$777,800 Land $153,200 Building $624,600	$777,800 Land $153,200 Building $624,600
2024	$4,788.00 (+3.3%)
2023	$4,635.00	$777,800	$777,800 Land $153,200 Building $624,600
2021			$777,800 Land $153,200 Building $624,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5 Ludgate Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2004–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2018 · rainfall accumulation

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

Wildfire risk around 5 Ludgate Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 49% 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 30 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

5G and 4G LTE (outdoors only)

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