3810 Puncheon Fork Rd, Mars Hill, NC 28754 Property Records

Madison County property record for 3810 Puncheon Fork Rd, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,000 sqft · built 1981
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$342,000 (Mar 2022)
Tax Bill	$980 (2025)
Deeds & Mortgages	Mar 2022 Sale Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9851-69-6005`

Property Details

APN / Parcel Number

Primary APN	`9851-69-6005`
Alternative APNs	`9851696005 0007486` `7486`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,000 sqft Heated Area
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Porch	Slab
Deck Area	80 sqft

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Street Address	3810 PUNCHEON FORK RD
City	MARS HILL
State	NC
Zip	28754-9393
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	69
Jurisdiction	MADISON NC
Township / Civil Division	7, EBBS CHAPEL
Census Block Group	1
Census Block	1007
Census Tract	10100

Owner

3810 Puncheon Fork Rd is owned by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	663 HARBOR VIEW RD, CHARLESTON, SC 29412-5002
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
Mar 15, 2022	Warranty Deed, Transfer
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 12, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	2022345879
Deed Book / Page	745 / 483
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Mar 15, 2022
Property Address	3810 PUNCHEON FORK RD, MARS HILL, NC 28754-9393
Document Number	0007450483
Book / Page	745 / 483
Instrument Date	Mar 13, 2022
Instrument	345879
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount on Record
Tax	$684.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3810 PUNCHEON FORK RD, MARS HILL, NC 28754-9393

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	3810 PUNCHEON FORK RD, MARS HILL, NC 28754-9393
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007100395
Date	Jan 19, 2021
Book Page	710/395
Instrument	339810

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Nov 12, 2019
Property Address	3810 PUNCHEON FORK RD, MARS HILL, NC 28754-9393
Document Number	0006780630
Book / Page	678 / 630
Instrument Date	Nov 7, 2019
Instrument	334476
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3810 PUNCHEON FORK RD, MARS HILL, NC 28754-9393

Mortgage

Document Number	334477
Date	Nov 12, 2019
Instrument	334477

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 3810 Puncheon Fork Rd was $980.

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	$980.00	$177,968 Land $29,100 Building $148,868	$177,968 Land $29,100 Building $148,868
2023		$114,072 Land $23,000 Building $91,072	$114,072 Land $23,000 Building $91,072

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 3810 Puncheon Fork Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 3810 Puncheon Fork Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable in parts of the area	1,000 / 1,000
French Broad EMC Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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