124 Bear Track Rd, Andrews, NC 28901 Property Records

Cherokee County property record for 124 Bear Track Rd, Andrews, NC 28901

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,365 sqft · built 2006
Lot Size	5.42 acres (236,531 sqft)
Owner	Individual Name on Record
Last Sale	$391,500 (May 2021)
Tax Bill	$1,798 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`555504731315000`

Property Details

APN / Parcel Number

Primary APN	`555504731315000`
Alternative APN	`54665`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,365 sqft Heated Area
Upper Floors Area	770 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	236,531 sqft (5.42 acres)
Terrain	Mountain
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Deck Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54665
Street Address	124 BEAR TRACK RD
City	ANDREWS
State	NC
Zip	28901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 PISGAH WOODS 991/458 B/54F C/65B
Legal Lot Number	17
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	1
Census Block	1005
Census Tract	930101

Owner

Source: Cherokee County records, as of October 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	91 CARRIAGE HL, SIGNAL MOUNTAIN, TN 37377-2319
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Mar 1, 2019	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Deed Document Number	3576
Deed Book / Page	1682 / 108
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 27, 2021
Property Address	124 BEAR TRACK RD, ANDREWS, NC 28901
Document Number	1682/108
Book / Page	1682 / 108
Map Reference	CAB D SL 140
Instrument Date	May 26, 2021
Instrument	3576
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$783.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 CARRIAGE HL, SIGNAL MOUNTAIN, TN 37377-2319

Mortgage

Document Number	1682110
Date	May 27, 2021
Instrument	1682/110

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	124 BEAR TRACK RD, ANDREWS, NC 28901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01607/0873
Date	Mar 1, 2019
Book Page	01607/0873
Instrument	00863

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	124 BEAR TRACK RD, ANDREWS, NC 28901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01627/0863
Date	Nov 1, 2019
Book Page	01627/0863
Instrument	05302

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Nov 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	124 BEAR TRACK RD, ANDREWS, NC 28901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1653/596
Date	Aug 20, 2020
Book Page	1653/596
Instrument	4375

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,798.00	$257,990 (-)	$257,990 (-) Land $22,000 Building $235,990
2023		$257,990	$257,990 Land $22,000 Building $235,990

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 February 5, 2020 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force

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 61% of the US · above 84% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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