1048 Watershed Rd, Mars Hill, NC 28754 Property Records

Madison County property record for 1048 Watershed Rd, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,610 sqft · built 2010
Lot Size	14.2 acres (618,552 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (May 2025)
Tax Bill	$2,352 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9860-39-1773`

Property Details

APN / Parcel Number

Primary APN	`9860-39-1773`
Alternative APNs	`9860391773 0007665` `7665`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,610 sqft Heated Area
1st Floor Area	650 sqft
Basement Area	650 sqft
Unfinished Basement	650 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	618,552 sqft (14.2 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Deck Area	104 sqft
Greenhouse	64 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Heat Pump

Location & Zoning

Street Address	1048 WATERSHED RD
City	MARS HILL
State	NC
Zip	28754-8087
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	PL:8-76
Legal Block	39
Jurisdiction	MADISON NC
Township / Civil Division	7, EBBS CHAPEL
Census Block Group	1
Census Block	1023
Census Tract	10100

Owner

Source: Madison County records, as of April 28, 2026

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
Mailing Address	1048 WATERSHED RD, MARS HILL, NC 28754-8087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage T2 FINANCIAL LLC
Nov 8, 2021	Intrafamily Transfer, Transfer
Jan 30, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Aug 21, 2015 · Amount on Record
Deed Document Number	2025358000
Deed Book / Page	811 / 556
Last Transfer Date	Feb 20, 2026
Transfer Doc	0008280779
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON NC
Recording Date	Feb 25, 2026
Property Address	1048 WATERSHED RD, MARS HILL, NC 28754-8087
Document Number	0008280779
Book / Page	828 / 779
Map Reference	MB 8 PG 76
Instrument Date	Feb 20, 2026
Instrument	360998
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1048 WATERSHED RD, MARS HILL, NC 28754-8087

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 WATERSHED RD, MARS HILL, NC 28754-8087

Mortgage

Document Number	0000360999
Date	Feb 25, 2026
Instrument	360999

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON NC
Recording Date	Nov 8, 2021
Property Address	1048 WATERSHED RD, MARS HILL, NC 28754-8087
Document Number	0007350063
Book / Page	735 / 63
Instrument Date	Nov 8, 2021
Instrument	344038
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1048 WATERSHED RD, MARS HILL, NC 28754-8087

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	MARS HILL, NC 28754
Document Number	0006250080
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 WATERSHED RD MARS HILL NC 287548087, MARS HILL, NC 28754-8087

Mortgage

Document Number	0006250080
Date	Feb 17, 2017
Book Page	000625/000080
Instrument	324271

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Madison County
Unified School District	Madison County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,352.00	$482,667 (-) Land $115,012 Building $367,655	$482,667 (-) Land $115,012 Building $367,655
2024	$2,352.00	$482,667 (+54.28%) Land $115,012 Building $367,655	$482,667 (+54.28%) Land $115,012 Building $367,655
2023		$312,852 Land $83,329 Building $229,523	$312,852 Land $83,329 Building $229,523

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 31, 2024 · 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	4 in force
Nearby Flood Claims	3 (2011–2012)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2012 · other causes

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

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

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
French Broad EMC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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