292 Bear Cub Dr, Spruce Pine, NC 28777 Property Records

McDowell County property record for 292 Bear Cub Dr, Spruce Pine, NC 28777

Property Summary

Property Type	Rural Home
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (Jan 2026)
Tax Bill	$261 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Sep 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1719-00-95-1372`

Property Details

APN / Parcel Number

Primary APN	`1719-00-95-1372`
Alternative APN	`74335`

Exterior

Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Account Number	74335
Street Address	292 BEAR CUB DR
City	SPRUCE PINE
State	NC
Zip	28777-0754
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0.30 AC LOT 1 PS 2 BEAR DEN AC. PB 4 PG 189
Legal Subdivision	BEAR DEN ACRES DEVELOPMENT INC
Legal Lot Number	1
Jurisdiction	MCDOWELL NC
Township / Civil Division	NORTH COVE
Census Block Group	1
Census Block	1059
Census Tract	970102

Owner

Source: McDowell County records, as of January 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	292 BEAR CUB DR, SPRUCE PINE, NC 28777-0754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Warranty Deed, Transfer BONNIE SANDERS ETAL
Sep 25, 2025	Intrafamily Transfer, Transfer
Feb 15, 2021	Warranty Deed, Transfer
Oct 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Feb 15, 2021 · Amount on Record
Deed Document Number	2026254
Deed Book / Page	1526 / 620
Prior Transfer Date	Sep 19, 2025
Prior Transfer Doc	0015150019
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jan 16, 2026
Property Address	292 BEAR CUB DR, SPRUCE PINE, NC 28777-0754
Document Number	0015260620
Book / Page	1526 / 620
Map Reference	MB 4 PG 189
Instrument Date	Jan 15, 2026
Instrument	2026000254
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1626 TURKEY CREEK RD, NEWNAN, GA 30263-5287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 BEAR CUB DRIVE, MARION, NC 28752

Mortgage

Document Number	2026000255
Date	Jan 16, 2026
Instrument	2026000255

Lender

Name	BONNIE SANDERS ETAL
Type	Private Party

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 15, 2031

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Sep 25, 2025
Property Address	BEAR CUB DR, SPRUCE PINE, NC 28777
Document Number	0015150019
Book / Page	1515 / 19
Map Reference	MB 4 PG 189
Instrument Date	Sep 19, 2025
Instrument	2025004729
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	384 BEAR CUB DR, SPRUCE PINE, NC 28777-0559

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Feb 15, 2021
Property Address	BEAR CUB DR, SPRUCE PINE, NC 28777
Document Number	0013410231
Book / Page	1341 / 231
Map Reference	MB 4 PG 189
Instrument Date	Feb 5, 2021
Instrument	2021000952
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$70.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1859 SHORE DR S APT 109, 109, SOUTH PASADENA, FL 33707-4732

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 30, 2018
Property Address	BEAR DEN MOUNTAIN RD, NC
Document Number	0012590181
Book / Page	001259 / 000181
Instrument Date	Oct 15, 2018
Instrument	5026
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3219 SPRING VALLEY RD CHARLOTTE NC 282105439, CHARLOTTE, NC 28210-5439

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$261.00	$38,000 (-) Land $35,000 Building $3,000
2023	$261.00	$38,000 Land $35,000 Building $3,000	$38,000 Land $35,000 Building $3,000

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 December 13, 2016 · 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	5 in force
Nearby Flood Claims	5 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 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

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

Wildfire Risk	Moderate above 48% of the US · above 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEAR DEN ACRES private · serves 140 people · EPA ID NC0156129
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: AT&T, Spectrum, Verizon.

Cell Coverage

No cell data coverage reported

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