Buncombe County property record for 994 Clovertop Ln, Arden, NC 28704
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 5,679 sqft · built 2009 |
| Lot Size | 2.82 acres (123,275 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $17,533 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9624-93-5708-00000 |
| Primary APN | 9624-93-5708-00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,679 sqft Living Area |
| Basement Area | 4,633 sqft |
| Finished Basement | 3,859 sqft |
| Unfinished Basement | 774 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Architectural Style | Conventional |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 123,275 sqft (2.82 acres) |
| Garage Area | 726 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 324 sqft |
| Deck Area | 427 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 994 CLOVERTOP LN |
|---|---|
| City | ARDEN |
| State | NC |
| Zip | 28704-9166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DEED DATE:02/04/2008 DEED |
| Legal Description | DEED DATE:02/04/2008 DEED:4518-1998 SUBDIV:THE CLIFFS AT WALNUT COVE LOT:MAJ PTN 60 & PT 59 PB174/132 PLAT:0084-0097 |
| Legal Subdivision | THE CLIFFS AT WALNUT COVE |
| Legal Lot Number | 60 |
| Jurisdiction | BUNCOMBE NC |
| Township / Civil Division | AVERY CREEK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 2304 |
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 | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 994 CLOVERTOP LN, ARDEN, NC 28704-9166 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2008 |
| Deed Sale | Feb 4, 2008 |
| Deed Document Number | 0045181998 |
| Deed Book / Page | 4518 / 1998 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUNCOMBE NC |
| Property Address | 994 CLOVERTOP LN, ARDEN, NC 28704-9166 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0060910940 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 6091/940 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Aug 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.62% |
Source: Buncombe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Buncombe County |
| Unified School District | Buncombe County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,533.00 (+9.22%) | $2,720,100 (+0.98%) | |
| 2023 | $16,053.00 | $2,693,600 | $2,693,600 (-0.97%) Land $553,900 Building $2,139,700 |
| 2021 | $2,720,100 Land $553,900 Building $2,166,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
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