76 Cave Ln, Arden, NC 28704 Property Records

Buncombe County property record for 76 Cave Ln, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,116 sqft · built 2020
Lot Size	1.21 acres (52,708 sqft)
Owner	Individual Name on File
Last Sale	$77,500 (Jul 2020)
Tax Bill	$3,538 (2025)
Deeds & Mortgages	Aug 2020 Construction Loan Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9634-95-4786-00000`

Property Details

APN / Parcel Number

Primary APN	`9634-95-4786-00000`
Alternative APN	`963412953775000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,116 sqft Living Area

Exterior

Year Built	Built 2020
Architectural Style	Conventional
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	52,708 sqft (1.21 acres)
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	892 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	963412953775000
Street Address	76 CAVE LN
City	ARDEN
State	NC
Zip	28704-9484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE:07/22/2020 DEED
Legal Description	DEED DATE:07/22/2020 DEED:5924-1807 SUBDIV:THE PEGGY M HOBSON PROP LOT:1 PLAT:0076-0081
Legal Subdivision	THE PEGGY M HOBSON PROP
Legal Lot Number	1
Jurisdiction	BUNCOMBE NC
Township / Civil Division	AVERY CREEK
Census Block Group	4
Census Block	4001
Census Tract	2303

Owner

76 Cave Ln is owned and occupied by an individual who bought it in July 2020.

Source: Buncombe County records, as of September 24, 2025

Owner of Record	Individual Name on File
Mailing Address	76 CAVE LN, ARDEN, NC 28704-9484
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
Aug 11, 2020	Deed of Trust, Mortgage · Construction Mortgage DOLLAR BANK FSB
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 10, 2020	Deed of Trust, Mortgage · Conventional with PMI DOLLAR BK
Jul 22, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2020 · Amount on File
Deed Sale	Jul 22, 2020 · Amount on File
Deed Document Number	0059241807
Deed Book / Page	5924 / 1807
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	76 CAVE LN, ARDEN, NC 28704-9484
Transaction Type	Mortgage
Record Updated	Sep 22, 2022
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059331821
Date	Aug 11, 2020
Book Page	5933/1821

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	76 CAVE LN, ARDEN, NC 28704-9484
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061691757
Date	Jan 5, 2022
Book Page	6169/1757

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	76 CAVE LN, ARDEN, NC 28704-9484
Document Number	0059781623
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	LOT CAVE LN ARDEN NC 28704, ARDEN, NC 28704

Mortgage

Document Number	0059781623
Date	Nov 16, 2020
Book Page	005978/001623

Lender

Name	DOLLAR BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 22, 2020
Property Address	76 CAVE LN, ARDEN, NC 28704-9484
Document Number	0059241807
Book / Page	005924 / 001807
Instrument Date	Jul 22, 2020
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HOLMES LN ARDEN NC 287046610, ARDEN, NC 28704-6610

Tax Assessment & Valuation

The 2025 property tax bill for 76 Cave Ln was $3,538.

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	$3,538.00	$548,900
2023	$3,271.00	$548,900	$548,900 Land $77,100 Building $471,800
2021			$548,900 Land $77,100 Building $471,800

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

Flood

FEMA maps place 76 Cave Ln in Zone X, an area of minimal flood risk.

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	1 in force

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 76 Cave Ln is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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	0.06% 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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