419 Oak Ln, Mars Hill, NC 28754 Property Records

Madison County property record for 419 Oak Ln, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,858 sqft · built 2016
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Sep 2025)
Tax Bill	$2,936 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9757-28-9688`

Property Details

APN / Parcel Number

Primary APN	`9757-28-9688`
Alternative APNs	`9757289688 0004042` `4042`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,858 sqft Heated Area
1st Floor Area	2,698 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,106 sqft (0.76 acres)
Garage Area	399 sqft
Porch	Slab
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Heat Pump

Location & Zoning

Street Address	419 OAK LN
City	MARS HILL
State	NC
Zip	28754-0316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	MOUNTAIN ESTATES LO:2 BL:A PL:2-221
Legal Subdivision	MOUNTAIN HOME ESTATES
Legal Block	28
Legal Lot Number	2
Jurisdiction	MADISON NC
Township / Civil Division	4, BEECH GLENN
Census Block Group	2
Census Block	2005
Census Tract	10602

Owner

419 Oak Ln is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	171 DEERWOOD LN, MOORESVILLE, NC 28117-8060
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 16, 2025	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Apr 9, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 4, 2018	Quit Claim Deed, Transfer OTHER
Sep 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	Apr 9, 2020 · Amount on File
Deed Document Number	2025359350
Deed Book / Page	819 / 359
Prior Transfer Date	Sep 26, 2018
Prior Transfer Doc	0006580055
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Sep 16, 2025
Property Address	419 OAK LN, MARS HILL, NC 28754-0316
Document Number	0008190359
Book / Page	819 / 359
Map Reference	MB 2 PG 221
Instrument Date	Sep 8, 2025
Instrument	359350
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 JOSEPH ALEXANDER DR, FUQUAY VARINA, NC 27526-3588

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 DEERWOOD LN, MOORESVILLE, NC 28117-8060

Mortgage

Document Number	0000359351
Date	Sep 16, 2025
Instrument	359351

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Max Rate	11.5%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Apr 9, 2020
Property Address	419 OAK LN, MARS HILL, NC 28754-0316
Document Number	0006870499
Book / Page	687 / 499
Map Reference	MB 2 PG 221
Instrument Date	Apr 8, 2020
Instrument	336067
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	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4255 CEDAR BLUFF WAY SW, 4255, LILBURN, GA 30047-3185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 OAK LN, MARS HILL, NC 28754-0316

Mortgage

Document Number	336068
Date	Apr 9, 2020
Instrument	336068

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON NC
Recording Date	Oct 4, 2018
Property Address	419 OAK LN, MARS HILL, NC 28754-0316
Document Number	0006580055
Book / Page	000658 / 000055
Instrument Date	Sep 26, 2018
Instrument	330480
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 OAK LN MARS HILL NC 287540316, MARS HILL, NC 28754-0316

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	419 OAK LN, MARS HILL, NC 28754-0316
Document Number	0006580060
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	419 OAK LN MARS HILL NC 287540316, MARS HILL, NC 28754-0316

Mortgage

Document Number	0006580060
Date	Oct 4, 2018
Book Page	000658/000060
Instrument	330481

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 419 Oak Ln was $2,936.

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	$2,936.00	$612,485 (-) Land $44,091 Building $568,394	$612,485 (-) Land $44,091 Building $568,394
2024	$2,936.00	$612,485 (+41.21%) Land $44,091 Building $568,394	$612,485 (+41.21%) Land $44,091 Building $568,394
2023		$433,744 Land $40,082 Building $393,662	$433,744 Land $40,082 Building $393,662

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

Flood

FEMA maps place 419 Oak Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 419 Oak Ln is moderate, ranking above 56% 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 56% of the US · above 78% 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 57 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

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