438 Roscoe Rd, Bear Creek, NC 27207 Property Records

Chatham County property record for 438 Roscoe Rd, Bear Creek, NC 27207

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,125 sqft · built 2004
Lot Size	4.84 acres (210,830 sqft)
Owner	2 Individual Names on File
Last Sale	$10,000 (Apr 2026)
Tax Bill	$2,495 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0081309`

Property Details

APN / Parcel Number

Primary APN	`0081309`
Alternative APN	`1235964`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,125 sqft Living Area
1st Floor Area	2,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Lot Area	210,830 sqft (4.84 acres)
Garage Type	Attached
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	438 ROSCOE RD
City	BEAR CREEK
State	NC
Zip	27207-8279
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT A AC 4.84 BK 2004 PG 192
Legal Subdivision	NORTH WEST GULF
Legal Tract	A
Legal Block	2
Jurisdiction	CHATHAM NC
Township / Civil Division	GULF
Census Block Group	4
Census Block	4002
Census Tract	20600

Owner

438 Roscoe Rd is owned by two individuals who bought it in April 2026.

Source: Chatham County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2208 FAIRLAND RD, GREENSBORO, NC 27407-5420
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
Apr 8, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 27, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Mar 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on File
Deed Sale	Apr 8, 2026 · Amount on File
Prior Sale	Apr 27, 2023 · Amount on File
Deed Document Number	20263025
Deed Book / Page	2520 / 519
Prior Transfer Date	Jul 7, 2004
Prior Transfer Doc	1116000036
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHATHAM NC
Recording Date	Apr 8, 2026
Property Address	438 ROSCOE RD, BEAR CREEK, NC 27207-8279
Document Number	0000003025
Book / Page	2520 / 519
Instrument Date	Mar 28, 2026
Instrument	20263025
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$2,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2208 FAIRLAND RD, GREENSBORO, NC 27407-5420

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM NC
Recording Date	Apr 27, 2023
Property Address	438 ROSCOE RD, BEAR CREEK, NC 27207-8279
Document Number	02358/1020
Book / Page	2358 / 1020
Map Reference	MB 2004 PG 192
Instrument Date	Apr 25, 2023
Instrument	3539
Transaction Type	Transfer
Record Updated	May 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$786.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 ROSCOE RD, BEAR CREEK, NC 27207-8279

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 ROSCOE RD, BEAR CREEK, NC 27207-8279

Mortgage

Document Number	0000003540
Date	Apr 27, 2023
Instrument	3540

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM NC
Property Address	438 ROSCOE RD, BEAR CREEK, NC 27207-8279
Document Number	0000005241
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 ROSCOE RD BEAR CREEK NC 272078279, BEAR CREEK, NC 27207-8279

Mortgage

Document Number	0000005241
Date	May 14, 2020
Book Page	002113/000199
Instrument	5241

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM NC
Property Address	438 ROSCOE RD, BEAR CREEK, NC 27207-8279
Document Number	0000002552
Instrument Date	Mar 13, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	438 ROSCOE RD BEAR CREEK NC 272078279, BEAR CREEK, NC 27207-8279

Mortgage

Document Number	0000002552
Date	Mar 19, 2018
Book Page	001977/000016
Instrument	2552

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 438 Roscoe Rd was $2,495, up 3% from the year before.

Source: Chatham County assessment roll, as of October 27, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Chatham County
Unified School District	Chatham County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,495.00 (+30.02%)	$348,978 (+55.68%) Land $53,720 Building $295,258	$348,978 (+55.68%) Land $53,720 Building $295,258
2024	$1,919.00 (+4.92%)	$224,157 (-) Land $33,360 Building $190,797	$224,157 (-) Land $33,360 Building $190,797
2023	$1,829.00	$224,157 Land $33,360 Building $190,797	$224,157 Land $33,360 Building $190,797

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

Flood

FEMA maps place 438 Roscoe Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · 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	1 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 438 Roscoe Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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