109 Locust Rdg, Mars Hill, NC 28754 Property Records

Madison County property record for 109 Locust Rdg, Mars Hill, NC 28754

Property Summary

Property Type	Other Improved
Lot Size	12.8 acres (561,488 sqft)
Owner	2 Individual Names on Record
Tax Bill	$954 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Aug 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9747-42-2869`

Property Details

APN / Parcel Number

Primary APN	`9747-42-2869`
Alternative APNs	`9747422869 0013649` `13649`

Interior

Plumbing Fixtures	8 Plumbing Fixtures

Exterior

Lot Area	561,488 sqft (12.8 acres)

Location & Zoning

Street Address	109 LOCUST RDG
City	MARS HILL
State	NC
Zip	28754-0588
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R-A
Legal Block	42
Jurisdiction	MADISON NC
Township / Civil Division	3, MARS HILL
Census Block Group	3
Census Block	3009
Census Tract	10602

Owner

Source: Madison County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 LOCUST RDG, MARS HILL, NC 28754-0588
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage · Line of Credit FIRST BK
Aug 16, 2019	Loan Modification, Mortgage FIRST BK
Sep 13, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 24, 2018
Transfer Doc	0006570018
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	70 LOCUST RDG, MARS HILL, NC 28754-0558
Document Number	0006950258
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	109 LOCUST RDG MARS HILL NC 287540588, MARS HILL, NC 28754-0588

Mortgage

Document Number	0006950258
Date	Jul 24, 2020
Book Page	000695/000258
Instrument	337272

Lender

Name	FIRST BK
Type	Bank
Address	MARS HILL, NC 28754

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON NC
Property Address	70 LOCUST RDG, MARS HILL, NC 28754-0558
Document Number	0006740012
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 LOCUST RIDGE MARS HL MARS HILL NC 28754, MARS HILL, NC 28754

Mortgage

Document Number	0006740012
Date	Aug 19, 2019
Book Page	000674/000012
Instrument	333600

Lender

Name	FIRST BK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON NC
Recording Date	Sep 13, 2018
Property Address	70 LOCUST RDG, MARS HILL, NC 28754-0558
Document Number	0006570018
Book / Page	657 / 018
Map Reference	MB206 PG673
Instrument Date	Aug 24, 2018
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	253 ALLMAN HILL RD, 253, WEAVERVILLE, NC 28787-8510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 GABRIELS CREEK RD, MARS HILL, NC 28754-9659

Mortgage

Document Number	330335
Date	Sep 13, 2018
Instrument	330335

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Sep 1, 2049

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	$954.00	$212,216 (-) Land $204,706 Building $7,510	$212,216 (-) Land $204,706 Building $7,510
2024	$954.00	$212,216 (+97.51%) Land $204,706 Building $7,510	$212,216 (+97.51%) Land $204,706 Building $7,510
2023		$107,448 Land $107,448	$107,448 Land $107,448

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims

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 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.2% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
French Broad EMC Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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