280 Settlers Trl, Mars Hill, NC 28754 Property Records

Madison County property record for 280 Settlers Trl, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,841 sqft · built 2007
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Oct 2021)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9746-05-5420`

Property Details

APN / Parcel Number

Primary APN	`9746-05-5420`
Alternative APNs	`9746055420 0025081` `9746-05-3437` `25081`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,841 sqft Heated Area
1st Floor Area	240 sqft
Attic	Attic
Attic Area	235 sqft
Basement Area	1,489 sqft
Finished Basement	1,117 sqft
Unfinished Basement	372 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	49,658 sqft (1.14 acres)
Garage Area	588 sqft
Porch	Slab
Porch Area	56 sqft
Deck Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Other

Location & Zoning

Street Address	280 SETTLERS TRL
City	MARS HILL
State	NC
Zip	28754-0017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Block	05
Jurisdiction	MADISON NC
Township / Civil Division	3, MARS HILL
Census Block Group	1
Census Block	1044
Census Tract	10602

Owner

280 Settlers Trl is owned and occupied by two individuals who bought it in October 2021.

Source: Madison County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	280 SETTLERS TRL, MARS HILL, NC 28754-0017
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Apr 14, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
May 31, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Deed Document Number	2021343769
Deed Book / Page	733 / 182
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	280 SETTLERS TRL, MARS HILL, NC 28754-0017
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007610421
Date	Oct 31, 2022
Book Page	761/421
Instrument	348735

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	280 SETTLERS TRL, MARS HILL, NC 28754-0017
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007700630
Date	Apr 14, 2023
Book Page	770/630
Instrument	350440

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	280 SETTLERS TRL, MARS HILL, NC 28754-0017
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006500525
Date	May 31, 2018
Book Page	650/525

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	WEAVERVILLE, NC 28787

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Oct 19, 2021
Property Address	280 SETTLERS TRL, MARS HILL, NC 28754-0017
Document Number	0007330182
Book / Page	733 / 182
Map Reference	MB 5 PG 511
Instrument Date	Oct 15, 2021
Instrument	343769
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 E IVEY TRAILS RD, WEAVERVILLE, NC 28787-7503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SETTLERS TRL, MARS HILL, NC 28754-0017
Investor	Possibly a Property Investor

Mortgage

Document Number	0000343770
Date	Oct 19, 2021
Instrument	343770

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 280 Settlers Trl was $2,611.

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	$2,611.00	$540,326 Land $75,807 Building $464,519	$540,326 Land $75,807 Building $464,519
2023		$429,159 (-) Land $68,915 Building $360,244	$429,159 (-) Land $68,915 Building $360,244
2022		$429,159 Land $68,915 Building $360,244	$429,159 Land $68,915 Building $360,244

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

Flood

FEMA maps place 280 Settlers Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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	3 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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 280 Settlers Trl is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 86% of North Carolina
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Settlers Trl

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