1945 Rosser Rd, Bear Creek, NC 27207 Property Records

Chatham County property record for 1945 Rosser Rd, Bear Creek, NC 27207

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,789 sqft · built 2022
Lot Size	10.3 acres (452,153 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (May 2021)
Tax Bill	$3,392 (2025)
Deeds & Mortgages	Sep 2022 Construction Loan Dec 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`0085067`

Property Details

APN / Parcel Number

Primary APN	`0085067`
Alternative APN	`1377377`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,789 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Modular
Construction Type	Wood
Lot Area	452,153 sqft (10.3 acres)
Garage Type	Attached

Location & Zoning

Street Address	1945 ROSSER RD
City	BEAR CREEK
State	NC
Zip	27207-9680
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R-1
Legal Description	TR 1 AC 10.38 BK 2008 PG 199
Legal Subdivision	OAKLAND
Legal Tract	1
Legal Block	83
Jurisdiction	CHATHAM NC
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1020
Census Tract	20600

Owner

1945 Rosser Rd, a residential property, is owned and occupied by an individual who acquired it in December 2021.

Source: Chatham County records, as of October 27, 2025

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	Individual Name on File
Mailing Address	1945 ROSSER RD, BEAR CREEK, NC 27207-9680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Construction Mortgage BLUE RIDGE BANK
Dec 28, 2021	Intrafamily Transfer, Transfer · Construction Mortgage BLUE RIDGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Jul 20, 2015 · Amount on File
Deed Document Number	20217813
Deed Book / Page	2215 / 114
Last Transfer Date	Dec 28, 2021
Transfer Doc	002273/839
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM NC
Property Address	1945 ROSSER RD, BEAR CREEK, NC 27207-9680
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 N SAYLOR ST, SOUTHERN PNES, NC 28387-4032

Mortgage

Document Number	002326/312
Date	Sep 19, 2022
Book Page	2326/312
Instrument	10961

Lender

Name	BLUE RIDGE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Oct 1, 2030
Change Frequency	3 Years
Min Rate At Change	5.99%
Max Rate At Change	7.99%
Index	1-Year CMT
Max Rate	11.9%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHATHAM NC
Recording Date	Dec 28, 2021
Property Address	1945 ROSSER RD, BEAR CREEK, NC 27207-9680
Document Number	002273/839
Book / Page	2273 / 839
Map Reference	MB 2008 PG 199
Instrument Date	Dec 28, 2021
Instrument	19786
Transaction Type	Transfer
Record Updated	Oct 20, 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	Joint Tenants with Right of Survivorship
Address	515 N SAYLOR ST, SOUTHERN PINES, NC 28387-4032

Mortgage

Document Number	0000019787
Date	Dec 28, 2021
Instrument	19787

Lender

Name	BLUE RIDGE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1945 Rosser Rd was $3,392, up 15.7% from the year before.

Source: Chatham County assessment roll, as of October 27, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Chatham County
Unified School District	Chatham County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,392.00 (+15.73%)	$455,676 (+41.45%) Land $152,046 Building $303,630	$455,676 (+41.45%) Land $152,046 Building $303,630
2024	$2,931.00 (+61.58%)	$322,144 (+46.88%) Land $127,836 Building $194,308	$322,144 (+46.88%) Land $127,836 Building $194,308
2023	$1,814.00	$219,319 Land $122,166 Building $97,153	$219,319 Land $122,166 Building $97,153

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

Flood

FEMA maps place 1945 Rosser Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 1945 Rosser Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

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

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