40 W Ridge Rd, Mars Hill, NC 28754 Property Records

Madison County property record for 40 W Ridge Rd, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,690 sqft · built 1972
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Feb 2021)
Tax Bill	$1,561 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9746-88-3758`

Property Details

APN / Parcel Number

Primary APN	`9746-88-3758`
Alternative APNs	`9746883758 0003020` `3020`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,690 sqft Heated Area
1st Floor Area	1,690 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	624 sqft
Porch	Slab
Deck Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Other

Location & Zoning

Street Address	40 W RIDGE RD
City	MARS HILL
State	NC
Zip	28754-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	WOODHAVEN LO:27 BL:F PL:2-128
Legal Subdivision	WOODHAVEN
Legal Block	88
Legal Lot Number	27
Jurisdiction	MADISON NC
Township / Civil Division	3, MARS HILL
Census Block Group	3
Census Block	3011
Census Tract	10602

Owner

40 W Ridge Rd is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 W RIDGE RD, MARS HILL, NC 28754-9777
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
Mar 27, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Apr 1, 2021	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Feb 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ACOPIA LLC
Feb 1, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Deed Document Number	2021340017
Deed Book / Page	711 / 645
Prior Transfer Date	Jan 29, 2021
Prior Transfer Doc	0007110648
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Mar 27, 2023
Property Address	40 W RIDGE RD, MARS HILL, NC 28754-9777
Document Number	0007690353
Book / Page	769 / 353
Map Reference	MB 2 PG 128
Instrument Date	Mar 20, 2023
Instrument	350196
Transaction Type	Transfer
Record Updated	Apr 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$965.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6518 WESTGATE LN, BURLINGTON, KY 41005-7795

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WEST RIDGE RD, MARS HILL, NC 28754-9777

Mortgage

Document Number	0000350197
Date	Mar 27, 2023
Instrument	350197

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	40 W RIDGE RD, MARS HILL, NC 28754-9777
Transaction Type	Mortgage
Record Updated	Nov 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 W RIDGE RD, MARS HILL, NC 28754-9777

Mortgage

Document Number	0007170041
Date	Apr 1, 2021
Book Page	717/41
Instrument	340909

Lender

Name	FIRST BANK
Type	Bank
Address	MARS HILL, NC 28754

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON NC
Recording Date	Feb 1, 2021
Property Address	40 W RIDGE RD, MARS HILL, NC 28754-9777
Document Number	0007110648
Book / Page	711 / 648
Map Reference	MB 2 PG 128
Instrument Date	Jan 29, 2021
Instrument	340018
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 W RIDGE RD, MARS HILL, NC 28754-9777

Mortgage

Document Number	340019
Date	Feb 1, 2021
Instrument	340019

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Feb 1, 2021
Property Address	40 W RIDGE RD, MARS HILL, NC 28754-9777
Document Number	0007110645
Book / Page	711 / 645
Map Reference	MB 2 PG 128
Instrument Date	Jan 26, 2021
Instrument	340017
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Amount	Amount on Record
Tax	$790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 161, MARS HILL, NC 28754-0161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 W RIDGE RD, MARS HILL, NC 28754-9777

Tax Assessment & Valuation

The 2025 property tax bill for 40 W Ridge Rd was $1,561.

Source: Madison County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Madison County
Municipality	Mars Hill Town
Unified School District	Madison County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,561.00	$383,821 (-) Land $26,854 Building $356,967	$383,821 (-) Land $26,854 Building $356,967
2024	$1,561.00	$383,821 (+113.36%) Land $26,854 Building $356,967	$383,821 (+113.36%) Land $26,854 Building $356,967
2023		$179,897 Land $24,413 Building $155,484	$179,897 Land $24,413 Building $155,484

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 40 W Ridge 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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (2024)
Claims Outside the SFHA	1 of 5
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

Wildfire risk around 40 W Ridge Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Water System	TOWN OF MARS HILL serves 3,030 people · EPA ID NC0158010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures