401 Pine Ridge Rd, Mars Hill, NC 28754 Property Records

Madison County property record for 401 Pine Ridge Rd, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,944 sqft · built 2019
Lot Size	2.94 acres (128,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Apr 2019)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9757-26-6502`

Property Details

APN / Parcel Number

Primary APN	`9757-26-6502`
Alternative APNs	`9757266502 0017298` `17298`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,944 sqft Heated Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Finished Basement	1,472 sqft
Flooring	Hardwood

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	128,066 sqft (2.94 acres)
Porch	Slab
Deck Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Heat Pump

Location & Zoning

Street Address	401 PINE RIDGE RD
City	MARS HILL
State	NC
Zip	28754-8119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	TR:1 PL:6-634
Legal Tract	1
Legal Block	26
Jurisdiction	MADISON NC
Township / Civil Division	4, BEECH GLENN
Census Block Group	2
Census Block	2015
Census Tract	10602

Owner

Source: Madison County records, as of June 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	401 PINE RIDGE RD, MARS HILL, NC 28754-8119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Dec 16, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 3, 2019	Trustee's Deed, Construction Loan · Line of Credit FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2019 · Amount on Record
Deed Sale	Apr 9, 2019 · Amount on Record
Prior Sale	Feb 20, 2003 · Amount on Record
Deed Book / Page	667 / 160
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Recording Date	Jun 17, 2026
Property Address	401 PINE RIDGE RD, MARS HILL, NC 28754-8119
Document Number	0000362222
Book / Page	836 / 267
Instrument Date	Jun 12, 2026
Instrument	2026362222
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 PINE RIDGE RD, MARS HILL, NC 28754-8119

Mortgage

Document Number	0000362222,
Date	Jun 17, 2026
Book Page	836/267
Instrument	2026362222

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	401 PINE RIDGE RD, MARS HILL, NC 28754-8119
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 PINE RIDGE RD, MARS HILL, NC 28754-8119

Mortgage

Document Number	0007070528
Date	Dec 16, 2020
Book Page	707/528
Instrument	339313

Lender

Name	TRUIST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON NC
Recording Date	Jun 3, 2019
Property Address	401 PINE RIDGE RD, MARS HILL, NC 28754-8119
Document Number	0006690750
Book / Page	000669 / 000750
Instrument Date	May 31, 2019
Instrument	332812
Transaction Type	Construction Loan
Record Updated	Jun 13, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PINE RIDGE RD MARS HILL NC 28754, MARS HILL, NC 28754

Mortgage

Document Number	6690750
Date	Jun 3, 2019
Book Page	000669/000750
Instrument	332812

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LIBERTY, NC 27298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,716.00	$563,559 (+76.71%) Land $52,288 Building $511,271	$563,559 (+76.71%) Land $52,288 Building $511,271
2023		$318,924 Land $36,875 Building $282,049	$318,924 Land $36,875 Building $282,049

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

Flood

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	2 in force

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 52% of the US · above 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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