403 Fred Holcombe Rd, Mars Hill, NC 28754 Property Records

Madison County property record for 403 Fred Holcombe Rd, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,242 sqft · built 1977
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2020)
Tax Bill	$1,077 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9759-96-0395`

Property Details

APN / Parcel Number

Primary APN	`9759-96-0395`
Alternative APNs	`9759960395 0005435` `5435`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,242 sqft Heated Area
1st Floor Area	1,242 sqft
Basement Area	621 sqft
Unfinished Basement	621 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,352 sqft (1.11 acres)

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Deck Area	100 sqft
Patio Area	140 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	403 FRED HOLCOMBE RD
City	MARS HILL
State	NC
Zip	28754-5835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Subdivision	SURVEY FOR PENNEY SUE LILES
Legal Block	96
Jurisdiction	MADISON NC
Township / Civil Division	4, BEECH GLENN
Census Block Group	1
Census Block	1019
Census Tract	10700

Owner

Source: Madison County records, as of April 28, 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	403 FRED HOLCOMBE RD, MARS HILL, NC 28754-5835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Nov 6, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2020 · Amount on Record
Deed Sale	Nov 6, 2020 · Amount on Record
Prior Sale	Oct 1, 2003 · Amount on Record
Deed Document Number	2020338768
Deed Book / Page	703 / 617
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	403 FRED HOLCOMBE RD, MARS HILL, NC 28754-5835
Transaction Type	Mortgage
Record Updated	Dec 20, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007410691
Date	Jan 31, 2022
Book Page	741/691
Instrument	345222

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Nov 6, 2020
Property Address	403 FRED HOLCOMBE RD, MARS HILL, NC 28754-5835
Document Number	0007030617
Book / Page	703 / 617
Map Reference	MAP B-1713
Instrument Date	Nov 6, 2020
Instrument	338768
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 JIM CREEK RD, 319, BURNSVILLE, NC 28714-6102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 FRED HOLCOMBE RD, MARS HILL, NC 28754-5835

Mortgage

Document Number	338769
Date	Nov 6, 2020
Instrument	338769

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Dec 1, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

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	$1,077.00	$199,445 (+77.8%) Land $37,534 Building $161,911	$199,445 (+77.8%) Land $37,534 Building $161,911
2023		$112,172 Land $22,427 Building $89,745	$112,172 Land $22,427 Building $89,745

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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