129 Finney Ln, Mars Hill, NC 28754 Property Records

Madison County property record for 129 Finney Ln, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,139 sqft · built 1974
Lot Size	0.607 acres (26,458 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Jul 2025)
Tax Bill	$1,707 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`9861-39-8747`

Property Details

APN / Parcel Number

Primary APN	`9861-39-8747`
Alternative APN	`8027`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,139 sqft Heated Area
1st Floor Area	804 sqft
Basement Area	1,308 sqft
Finished Basement	327 sqft
Unfinished Basement	981 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,458 sqft (0.607 acres)
Porch	Slab
Porch Area	184 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	129 FINNEY LN
City	MARS HILL
State	NC
Zip	28754-5798
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	WOLF LAUREL ESTATES LO:461A SE:3 PL:2-87
Legal Subdivision	WOLF LAUREL ESTATES
Legal Phase	2
Legal Block	39
Legal Lot Number	461A
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 August 10, 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	440 CHERRY KNOB DR, MARS HILL, NC 28754
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Apr 22, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	Apr 22, 2021 · Amount on Record
Deed Document Number	2025358536
Deed Book / Page	814 / 731
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Jul 1, 2025
Property Address	129 FINNEY LN, MARS HILL, NC 28754-5798
Document Number	0008140731
Book / Page	814 / 731
Map Reference	MB 2 PG 87
Instrument Date	Jun 30, 2025
Instrument	358536
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 CHERRY KNOB DR, MARS HILL, NC 28754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 FINNEY LN, MARS HILL, NC 28754-5798
Investor	Possibly a Property Investor

Mortgage

Document Number	0000358537
Date	Jul 1, 2025
Instrument	358537

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Apr 22, 2021
Property Address	129 FINNEY LN, MARS HILL, NC 28754-5798
Document Number	0007180522
Book / Page	718 / 522
Map Reference	MB 2 PG 87
Instrument Date	Apr 22, 2021
Instrument	341175
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Amount	Amount Recorded
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6604 BUTTON BUCK TRL, 6604, PANAMA CITY BEACH, FL 32413-9576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 RIVERWAY DR, VERO BEACH, FL 32963-2645

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	$1,707.00	$339,502 (+68.19%) Land $54,500 Building $285,002	$339,502 (+68.19%) Land $54,500 Building $285,002
2023		$201,852 Land $31,500 Building $170,352	$201,852 Land $31,500 Building $170,352

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.07% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000
French Broad EMC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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