McDowell County property record for 395 Bear Cub Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 538 sqft · built 1999 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,500 (Mar 2022) |
| Tax Bill | $1,179 (2025) |
| Deeds & Mortgages | Mar 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1719-00-95-2720 |
| Primary APN | 1719-00-95-2720 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 538 sqft Heated Area |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Logs |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 14,375 sqft (0.33 acres) |
| Porch | Enclosed Porch |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Account Number | 77154 |
|---|---|
| Street Address | 395 BEAR CUB DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-0559 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.85 AC LTS 6 6A 8 10 BEAR DEN ACRES PB 4 PG 225 |
| Legal Lot Number | 6 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | NORTH COVE |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 970102 |
395 Bear Cub Dr is owned by an individual who bought it in March 2022.
Source: McDowell County records, as of September 29, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 173 MEADOW LARK RD, MONTICELLO, FL 32344-6507 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2022 · Amount on File |
| Deed Sale | Mar 25, 2022 · Amount on File |
| Prior Sale | Aug 23, 2005 |
| Deed Document Number | 0001392943 |
| Deed Book / Page | 1392 / 943 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Mar 25, 2022 |
| Property Address | 395 BEAR CUB DR, SPRUCE PINE, NC 28777-0559 |
| Document Number | 0013920943 |
| Book / Page | 1392 / 943 |
| Map Reference | MB 4 PG 225 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 2022001785 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $85.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 173 MEADOW LARK RD, MONTICELLO, FL 32344-6507 |
The 2025 property tax bill for 395 Bear Cub Dr was $1,179.
Source: McDowell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,179.00 | $171,460 Land $105,000 Building $66,460 | |
| 2023 | $1,179.00 | $171,460 Land $105,000 Building $66,460 | $171,460 Land $105,000 Building $66,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 395 Bear Cub Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2024.
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 |
|
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 risk around 395 Bear Cub Dr is moderate, ranking above 48% 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 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.
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 |
| 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.
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.
No cell data coverage reported
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