197 Gardenside Rd, Mars Hill, NC 28754 Property Records

Madison County property record for 197 Gardenside Rd, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,626 sqft · built 1982
Lot Size	0.387 acres (16,860 sqft)
Owner	2 Trust Names on File
Last Sale	$400,000 (Aug 2025)
Tax Bill	$1,603 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9852-90-0482`

Property Details

APN / Parcel Number

Primary APN	`9852-90-0482`
Alternative APNs	`9852900482 0008208` `8208`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,626 sqft Heated Area
1st Floor Area	1,344 sqft
Attic	Attic
Attic Area	282 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	16,860 sqft (0.387 acres)
Garage Type	Carport
Carport	Carport
Deck Area	1,104 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	197 GARDENSIDE RD
City	MARS HILL
State	NC
Zip	28754-5841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	WOLF LAUREL VILLAGE - GARDENSIDE LO:15 PL:3-78
Legal Subdivision	WOLF LAUREL VILLAGE, GARDENSIDE
Legal Block	90
Legal Lot Number	15
Jurisdiction	MADISON NC
Township / Civil Division	7, EBBS CHAPEL
Census Block Group	1
Census Block	1007
Census Tract	10100

Owner

197 Gardenside Rd is held in a trust since August 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	7508 N OLA AVE, TAMPA, FL 33604-4050
Owner Type	Company
Vesting	Trust, Family Trust

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
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Apr 8, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 21, 2018	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on File
Deed Sale	Aug 5, 2025 · Amount on File
Prior Sale	Sep 21, 2018 · Amount on File
Deed Document Number	2025358928
Deed Book / Page	817 / 56
Prior Transfer Date	Jul 14, 2010
Prior Transfer Doc	0005020639
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	197 GARDENSIDE RD, MARS HILL, NC 28754-5841
Document Number	0006890581
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	197 GARDENSIDE RD MARS HILL NC 287545841, MARS HILL, NC 28754-5841

Mortgage

Document Number	0006890581
Date	May 6, 2020
Book Page	000689/000581
Instrument	336361

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	197 GARDENSIDE RD, MARS HILL, NC 28754-5841
Document Number	0006670543
Instrument Date	Apr 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	197 GARDENSIDE RD MARS HILL NC 287545841, MARS HILL, NC 28754-5841

Mortgage

Document Number	0006670543
Date	Apr 18, 2019
Book Page	000667/000543
Instrument	332354

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 17, 2059

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Sep 21, 2018
Property Address	197 GARDENSIDE RD, MARS HILL, NC 28754-5841
Document Number	0006570397
Book / Page	000657 / 000397
Instrument Date	Aug 21, 2018
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 GARDENSIDE RD MARS HILL NC 287545841, MARS HILL, NC 28754-5841

Mortgage

Document Number	6570400
Date	Sep 21, 2018
Book Page	000657/000400

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 197 Gardenside Rd was $1,603.

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	$1,603.00	$316,362 (-) Land $45,400 Building $270,962	$316,362 (-) Land $45,400 Building $270,962
2024	$1,603.00	$316,362 (+62.05%) Land $45,400 Building $270,962	$316,362 (+62.05%) Land $45,400 Building $270,962
2023		$195,228 Land $33,750 Building $161,478	$195,228 Land $33,750 Building $161,478

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

Flood

FEMA maps place 197 Gardenside Rd 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 197 Gardenside Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% 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 23 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 · Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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