79 Hemlock St, Arden, NC 28704 Property Records

Buncombe County property record for 79 Hemlock St, Arden, NC 28704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,200 sqft · built 1963
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Sep 2019)
Tax Bill	$1,690 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`653895-2020-202`

Property Details

APN / Parcel Number

Primary APN	`653895-2020-202`
Alternative APNs	`9654-57-7382-00000` `965411576295000` `008194729`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Finished Basement	1,000 sqft
Unfinished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,284 sqft (0.81 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	264 sqft
Patio Area	454 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	653895-2020-202
Street Address	79 HEMLOCK ST
City	ARDEN
State	NC
Zip	28704-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: MOUNT ROYAL LOT: 5 BLOCK: 16 SECTION: E PLAT: 0032-0014
Legal Subdivision	MOUNT ROYAL
Legal Block	16
Legal Lot Number	5
Jurisdiction	BUNCOMBE NC
Township / Civil Division	LIMESTONE
Census Block Group	2
Census Block	2015
Census Tract	2205

Owner

79 Hemlock St is owned by two individuals who bought it in September 2019.

Source: Buncombe County records, as of September 22, 2025

Owner of Record	2 Individual Names on File
Mailing Address	8703 VERLANE DR, SAN DIEGO, CA 92119-2033
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
Apr 9, 2021	Deed of Trust, Mortgage · VA Mortgage CITIZENS BANK NA
Nov 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 11, 2019	Warranty Deed, Transfer · VA Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2019 · Amount on File
Deed Sale	Sep 11, 2019 · Amount on File
Prior Sale	Jan 31, 2008 · Amount on File
Deed Book / Page	5809 / 1533
Prior Transfer Date	Nov 6, 2009
Prior Transfer Doc	0047390243
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	79 HEMLOCK ST, ARDEN, NC 28704-2803
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060471734
Date	Apr 9, 2021
Book Page	6047/1734

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	HOUSTON, TX 77027

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	79 HEMLOCK ST, ARDEN, NC 28704-2803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057221335
Date	Nov 26, 2018
Book Page	5722/1335

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2028

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Sep 11, 2019
Property Address	79 HEMLOCK ST, ARDEN, NC 28704-2803
Document Number	0058091533
Book / Page	5809 / 1533
Map Reference	MB 32 PG 14
Instrument Date	Sep 11, 2019
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	196 WALNUT ST, 196, ARDEN, NC 28704-2929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 HEMLOCK ST, ARDEN, NC 28704-2803

Mortgage

Document Number	58091546
Date	Sep 11, 2019
Instrument	5809/1546

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 79 Hemlock St was $1,690, 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	$1,690.00 (+4.71%)	$262,300 Land $49,800 Building $212,500	$262,300 Land $49,800 Building $212,500
2024	$1,614.00 (+3.26%)
2023	$1,563.00	$262,300	$262,300 Land $49,800 Building $212,500
2021			$262,300 Land $49,800 Building $212,500

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

Flood

FEMA maps place 79 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 79 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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