78 Hemlock St, Arden, NC 28704 Property Records

Buncombe County property record for 78 Hemlock St, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,120 sqft · built 1965
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Apr 2016)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9654-57-8049-00000`

Property Details

APN / Parcel Number

Primary APN	`9654-57-8049-00000`
Alternative APN	`965411577081000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Finished Basement	781 sqft
Unfinished Basement	339 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	40 sqft
Patio Area	708 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	965411577081000
Street Address	78 HEMLOCK ST
City	ARDEN
State	NC
Zip	28704-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DEED DATE:04/21/2016 DEED
Legal Description	DEED DATE:04/21/2016 DEED:5417-1327 SUBDIV:MOUNT ROYAL LOT:PT LT 10 BLOCK:17 SECTION:E PLAT:0032-0014
Legal Subdivision	MOUNT ROYAL
Legal Block	17
Legal Lot Number	10 17
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	2
Census Block	2023
Census Tract	2205

Owner

78 Hemlock St is owned and occupied by an individual who bought it in April 2016.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	78 HEMLOCK ST, ARDEN, NC 28704-2804
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
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2016 · Amount on File
Deed Sale	Apr 21, 2016 · Amount on File
Prior Sale	Dec 8, 1999 · Amount on File
Deed Document Number	0054171327
Deed Book / Page	5417 / 1327
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	78 HEMLOCK ST, ARDEN, NC 28704-2804
Transaction Type	Mortgage
Record Updated	Nov 1, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061370022
Date	Oct 21, 2021
Book Page	6137/22

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	78 HEMLOCK ST, ARDEN, NC 28704-2804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058401596
Date	Dec 6, 2019
Book Page	5840/1596

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 78 Hemlock St was $1,372.

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	$1,372.00	$212,900
2023	$1,268.00	$212,900	$212,900 Land $45,200 Building $167,700
2021			$212,900 Land $45,200 Building $167,700

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

Flood

FEMA maps place 78 Hemlock St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2013.

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

Wildfire risk around 78 Hemlock St is low, with a 0.05% 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 50% of North Carolina
Wildfire Likelihood	0.05% 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 146 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
AT&T DSL	100 / 20

May also be available: Optimum, T-Mobile, Verizon.

Cell Coverage

4G LTE only, no 5G reported

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