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515 Cloud Top Way, Arden, NC 28704 Property Records

Buncombe County property record for 515 Cloud Top Way, Arden, NC 28704

Property Summary

Property TypeSingle Family Home
Details6 bd · 6 ba · 7,567 sqft · built 2019
Lot Size2.46 acres (107,158 sqft)
Owner2 Individual Names on File
Last Sale$9,500,000 (Mar 2026)
Tax Bill$28,661 (2025)
Deeds & MortgagesMar 2026 Sale
Jan 2020 Construction Loan
Flood ZoneZone X (minimal risk)
APN3030900-2020-20

Property Details

APN / Parcel Number

Primary APN3030900-2020-20
Alternative APNs
  • 3030900-2020-2020-0000-00
  • 9633-25-7945-00000

Interior

Bedrooms6 Beds
Full Baths6 Baths
Half Baths2 Half Baths
Stories1 Story
Building Area7,567 sqft Living Area
Gross Area9,356 sqft
1st Floor Area4,233 sqft
Basement Area4,000 sqft
Finished Basement3,334 sqft
Unfinished Basement666 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleConventional
Roof TypeShed Roof
Roof MaterialMetal
Lot Area107,158 sqft (2.46 acres)
Garage TypeAttached
Garage Area1,123 sqft
Parking Spaces4 Parking Spaces
Pool Area980 sqft
PorchOpen Porch
Deck Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number3030900-2020-20
Street Address515 CLOUD TOP WAY
CityARDEN
StateNC
Zip28704-1400
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-2
Legal DescriptionSUBDIV: THE CLIFFS AT WALNUT COVE LOT: 74R PLAT: 0102-0196
Legal SubdivisionTHE CLIFFS AT WALNUT COVE
Legal Block1
Legal Lot Number74R
JurisdictionBUNCOMBE NC
Township / Civil DivisionAVERY CREEK
Census Block Group1
Census Block1007
Census Tract2303

Owner

515 Cloud Top Way is owned by two individuals who bought it in March 2026.

Source: Buncombe County records, as of March 27, 2026

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

Owner of Record2 Individual Names on File
Mailing Address1601 N OAK ST, 106, MYRTLE BEACH, SC 29577-3579
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2026Warranty Deed, Transfer
Jan 10, 2020Deed of Trust, Mortgage · Construction Mortgage
FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 18, 2026 · Amount on File
Deed SaleMar 18, 2026 · Amount on File
Deed Book / Page6575 / 525
Record UpdatedJun 8, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBUNCOMBE NC
Recording DateMar 18, 2026
Property Address515 CLOUD TOP WAY, ARDEN, NC 28704-1400
Document Number0065750525
Book / Page6575 / 525
Map ReferenceMB 192 PG 39
Instrument DateMar 17, 2026
Transaction TypeTransfer
Record UpdatedMar 26, 2026

Transaction

AmountAmount on Record
Tax$19,000.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1601 N OAK ST STE 106, 106, MYRTLE BEACH, SC 29577-3579

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUNCOMBE NC
Property Address515 CLOUD TOP WAY, ARDEN, NC 28704-1400
Transaction TypeMortgage
Record UpdatedSep 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058530441
DateJan 10, 2020
Book Page5853/0441
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressCOLUMBIA, SC 29211
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2050
Interest
Rate TypeAdjustable Rate
Rate3.53%
Type Change DateFeb 1, 2027
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change8.53%
Index1-Year LIBOR
Max Rate8.53%

Tax Assessment & Valuation

The 2025 property tax bill for 515 Cloud Top Way was $28,661.

Source: Buncombe County assessment roll, as of September 22, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyBuncombe County
Unified School DistrictBuncombe County Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$28,661.00$4,446,400 Land $1,134,400 Building $3,312,000$4,446,400 Land $1,134,400 Building $3,312,000
2023$26,513.00$4,448,500$4,448,500 Land $1,134,400 Building $3,314,100
2021$4,446,400 Land $1,134,400 Building $3,312,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 515 Cloud Top Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective April 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Nearby Flood Policies14 in force
Nearby Flood Claims1 (2024)
Most Recent ClaimSep 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

Wildfire risk around 515 Cloud Top Way is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire RiskModerate
above 43% of the US · above 64% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemCITY OF ASHEVILLE
serves 157,431 people · EPA ID NC0111010
Water SourceSurface water
Last State InspectionApr 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Oct 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 44 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000

May also be available: Optimum, Spectrum.

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