5 Spring Cove Ct, Arden, NC 28704 Property Records

Buncombe County property record for 5 Spring Cove Ct, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,495 sqft · built 1990
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Oct 2014)
Tax Bill	$2,807 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9654-86-3508-00000`

Property Details

APN / Parcel Number

Primary APN	`9654-86-3508-00000`
Alternative APN	`965412862542000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,495 sqft Living Area
Gross Area	3,757 sqft
1st Floor Area	1,485 sqft
2nd Floor Area	878 sqft
Basement Area	1,262 sqft
Finished Basement	1,262 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	470 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	965412862542000
Street Address	5 SPRING COVE CT
City	ARDEN
State	NC
Zip	28704-2908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE: 10/01/2014 DEE
Legal Description	DEED DATE: 10/01/2014 DEED: 5248-0370 SUBDIV: SPRING COVE BLOCK: LOT: LOT 3 SECTION: PLAT: 0056-0164
Legal Subdivision	SPRING COVE
Legal Lot Number	3
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	2
Census Block	2001
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
Co-owner	Co-owner on Record
Mailing Address	5 SPRING COVE CT, ARDEN, NC 28704-2908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Mar 23, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2014 · Amount on Record
Deed Sale	Oct 1, 2014 · Amount on Record
Prior Sale	Oct 1, 2014 · Amount on Record
Deed Document Number	0005248370
Deed Book / Page	5248 / 370
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 SPRING COVE CT, ARDEN, NC 28704-2908
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SPRING COVE CT, ARDEN, NC 28704-2908

Mortgage

Document Number	0065550503
Date	Dec 29, 2025
Book Page	6555/503

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 SPRING COVE CT, ARDEN, NC 28704-2908
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063270183
Date	Jun 14, 2023
Book Page	6327/183

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 SPRING COVE CT, ARDEN, NC 28704-2908
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SPRING COVE CT, ARDEN, NC 28704-2908

Mortgage

Document Number	0062501702
Date	Aug 22, 2022
Book Page	6250/1702

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 SPRING COVE CT, ARDEN, NC 28704-2908
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SPRING COVE CT, ARDEN, NC 28704-2908

Mortgage

Document Number	0057641267
Date	Apr 29, 2019
Book Page	5764/1267

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 25, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 SPRING COVE CT, ARDEN, NC 28704-2908
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SPRING COVE CT, ARDEN, NC 28704-2908

Mortgage

Document Number	0060381611
Date	Mar 23, 2021
Book Page	6038/1611

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$2,807.00 (+8.13%)	$435,600 (-)
2023	$2,596.00	$435,600	$435,600 (-) Land $47,800 Building $387,800
2021			$435,600 Land $47,800 Building $387,800

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (2013–2024)
Claims Outside the SFHA	4 of 6
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	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 251 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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