475 Bear Cub Dr, Spruce Pine, NC 28777 Property Records

McDowell County property record for 475 Bear Cub Dr, Spruce Pine, NC 28777

Property Summary

Property Type	Agricultural Vacant Land
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$77,000 (May 2026)
Tax Bill	$240 (2025)
Deeds & Mortgages	May 2026 Sale Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1719-00-96-3179`

Property Details

APN / Parcel Number

Primary APN	`1719-00-96-3179`
Alternative APN	`74335`

Exterior

Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Account Number	74335
Street Address	475 BEAR CUB DR
City	SPRUCE PINE
State	NC
Zip	28777-6334
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Legal Description	0.25 AC LT 16 BEAR DEN AC PB 4/225
Legal Subdivision	BEAR DEN ACRES DEVELOPMENT INC
Legal Phase	II
Legal Lot Number	16
Jurisdiction	MCDOWELL NC
Township / Civil Division	NORTH COVE
Census Block Group	1
Census Block	1059
Census Tract	970102

Owner

Source: McDowell County records, as of May 27, 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	230 CAMPBELL RD, NEW FREEDOM, PA 17349-8986
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 11, 2021	Warranty Deed, Transfer
Nov 6, 2017	Warranty Deed, Transfer · Conventional with PMI KARK K GATES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	20262292
Deed Book / Page	1538 / 125
Prior Transfer Date	Mar 4, 2014
Prior Transfer Doc	0011250957
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 13, 2026
Property Address	475 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Document Number	0000002292
Book / Page	1538 / 125
Instrument Date	May 8, 2026
Instrument	2026.2292
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$15,554.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 CAMPBELL RD, NEW FREEDOM, PA 17349-8986

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jun 11, 2021
Property Address	475 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Document Number	0013561012
Book / Page	1356 / 1012
Map Reference	MB 4 PG 225
Instrument Date	Jun 6, 2021
Instrument	2021003777
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Tax	$110.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1859 SHORE DR S APT 109, 109, SOUTH PASADENA, FL 33707-4732

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 6, 2017
Property Address	475 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Document Number	0012280875
Book / Page	001228 / 000875
Instrument Date	Nov 3, 2017
Instrument	5373
Transaction Type	Transfer
Record Updated	Feb 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	410 PROCESS RD HEDGESVILLE WV 254275184, HEDGESVILLE, WV 25427-5184

Mortgage

Document Number	12280878
Date	Nov 6, 2017
Book Page	001228/000878
Instrument	5374

Lender

Name	KARK K GATES
Address	17 HARBOR GATE, ANDERSON, SC 29625-6017
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$240.00	$35,000 (-) Land $35,000
2023	$240.00 (+72.66%)	$35,000 (+75%) Land $35,000	$35,000 (+75%) Land $35,000
2022	$139.00	$20,000 Land $20,000	$20,000 Land $20,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	Tropical Storm Helene, Sep 2024 · 5 claims

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

No cell data coverage reported

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