195 Black Bear Dr, Mars Hill, NC 28754 Property Records

Madison County property record for 195 Black Bear Dr, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,968 sqft · built 2008
Lot Size	1.02 acres (44,431 sqft)
Owner	Company Name on File
Last Sale	$625,000 (Dec 2021)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	Dec 2022 Sale Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9851-45-3396`

Property Details

APN / Parcel Number

Primary APN	`9851-45-3396`
Alternative APNs	`9851453396 0016171` `16171`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,968 sqft Heated Area
1st Floor Area	1,312 sqft
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Logs
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	44,431 sqft (1.02 acres)
Porch	Slab
Porch Area	900 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Other

Location & Zoning

Street Address	195 BLACK BEAR DR
City	MARS HILL
State	NC
Zip	28754-5518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LO:14B PL:6-583
Legal Subdivision	WOLFS CROSSING
Legal Block	45
Legal Lot Number	14B
Jurisdiction	MADISON NC
Township / Civil Division	7, EBBS CHAPEL
Census Block Group	1
Census Block	1028
Census Tract	10100

Owner

195 Black Bear Dr is owned by a company that bought it in December 2021.

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

Owner of Record	Company Name on File
Mailing Address	119 STONECREST DR, ASHEVILLE, NC 28803-8514
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Warranty Deed, Transfer
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	Aug 19, 1998 · Amount on File
Deed Document Number	2021344714
Deed Book / Page	738 / 714
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Dec 28, 2022
Property Address	195 BLACK BEAR DR, MARS HILL, NC 28754-5518
Document Number	0007640524
Book / Page	764 / 524
Map Reference	MB 6 PG 583
Instrument Date	Dec 20, 2022
Instrument	349264
Transaction Type	Transfer
Record Updated	Jan 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 OAKLAND AVE, SHREWSBURY, MA 01545-2146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16131 LANCASTER HWY STE 5, 5, CHARLOTTE, NC 28277-3884

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Dec 16, 2021
Property Address	195 BLACK BEAR DR, MARS HILL, NC 28754-5518
Document Number	0007380714
Book / Page	738 / 714
Map Reference	MB 6 PG 583
Instrument Date	Dec 4, 2021
Instrument	344714
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 E FOREST HILLS BLVD, 506, DURHAM, NC 27707-1801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 SOMERSET AVE, WINTHROP, MA 02152-2823

Mortgage

Document Number	0000344715
Date	Dec 16, 2021
Instrument	344715

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	195 BLACK BEAR DR, MARS HILL, NC 28754-5518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007070273
Date	Dec 14, 2020
Book Page	707/273
Instrument	339273

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 195 Black Bear Dr was $2,676.

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	$2,676.00	$554,799 (-) Land $83,173 Building $471,626	$554,799 (-) Land $83,173 Building $471,626
2024	$2,676.00	$554,799 (+61.02%) Land $83,173 Building $471,626	$554,799 (+61.02%) Land $83,173 Building $471,626
2023		$344,549 Land $47,354 Building $297,195	$344,549 Land $47,354 Building $297,195

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

Flood

FEMA maps place 195 Black Bear Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.

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

Wildfire risk around 195 Black Bear Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of 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	0.1% 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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