McDowell County property record for 431 Bear Cub Dr, Spruce Pine, NC 28777
| Property Type | Rural Home |
|---|---|
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $37,500 (Nov 2000) |
| Tax Bill | $265 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1719-00-95-2998 |
| Primary APN | 1719-00-95-2998 |
|---|---|
| Alternative APN |
|
| Lot Area | 16,117 sqft (0.369 acres) |
|---|
| Account Number | 30919 |
|---|---|
| Street Address | 431 BEAR CUB DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 0.25 AC LOT 12 BEAR DEN PG 4 PG 225 |
| Legal Lot Number | 12 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | NORTH COVE |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 970102 |
Source: McDowell County records, as of September 29, 2025
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 | PO BOX 351, SPRUCE PINE, NC 28777-0351 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2000 · Amount on Record |
| Deed Sale | Nov 1, 2000 · Amount on Record |
| Deed Document Number | 0000063047 |
| Record Updated | Jun 8, 2026 |
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 | $265.00 | $38,600 (-) Land $35,000 Building $3,600 | |
| 2023 | $265.00 | $38,600 Land $35,000 Building $3,600 | $38,600 Land $35,000 Building $3,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 71% 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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