481 Overlook Dr, Mars Hill, NC 28754 Property Records

Yancey County property record for 481 Overlook Dr, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,724 sqft · built 1993
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jan 2021)
Tax Bill	$2,227 (2026)
Deeds & Mortgages	Apr 2023 Reverse Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`986204622199.000`

Property Details

APN / Parcel Number

Primary APN	`986204622199.000`
Alternative APN	`86037`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,724 sqft Living Area
1st Floor Area	1,379 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Contemporary
Exterior Material	Other
Construction Type	Frame
Lot Area	23,522 sqft (0.54 acres)
Terrain	Steep
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Deck Area	584 sqft
Patio Area	584 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	86037
Street Address	481 OVERLOOK DR
City	MARS HILL
State	NC
Zip	28754-5686
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WOLF LAUREL
Jurisdiction	YANCEY NC
Township / Civil Division	EGYPT
Census Block Group	2
Census Block	2074
Census Tract	960400

Owner

481 Overlook Dr is owned and occupied by an individual who bought it in January 2021.

Source: Yancey County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	481 OVERLOOK DR, MARS HILL, NC 28754-5686
Occupancy	Owner Occupied
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 14, 2023	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Jan 11, 2021	Warranty Deed, Transfer · Conventional with PMI SIEBERT HARRY & JOAN LIVING T

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Mar 27, 2001
Deed Document Number	2021104
Deed Book / Page	839 / 206
Prior Transfer Date	Jul 19, 2017
Prior Transfer Doc	0007680178
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANCEY NC
Property Address	481 OVERLOOK DR, MARS HILL, NC 28754-5686
Transaction Type	Mortgage
Record Updated	May 11, 2023
Title Company	SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 OVERLOOK DR, MARS HILL, NC 28754-5686

Mortgage

Document Number	0008970198
Date	Apr 14, 2023
Book Page	897/198
Instrument	2023000940

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.82%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.8%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANCEY NC
Recording Date	Jan 11, 2021
Property Address	481 OVERLOOK DR, MARS HILL, NC 28754-5686
Document Number	0008390206
Book / Page	000839 / 000206
Instrument Date	Jan 7, 2021
Instrument	104
Transaction Type	Transfer
Record Updated	Mar 17, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 OVERLOOK DR MARS HILL NC 287545686, MARS HILL, NC 28754-5686

Mortgage

Document Number	8390209
Date	Jan 11, 2021
Book Page	000839/000209
Instrument	105

Lender

Name	SIEBERT HARRY & JOAN LIVING T
Address	257 MINORCA BEACH WAY, NEW SMYRNA BEACH, FL 32169-6008

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 481 Overlook Dr was $2,227, down 16.6% from the year before.

Source: Yancey County assessment roll, as of October 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,227.00 (-16.62%)	$390,800 (-16.6%) Land $84,900 Building $305,900
2025	$2,671.00	$468,600 Land $84,900 Building $383,700
2023	$1,757.00	$270,400 Land $45,400 Building $225,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 481 Overlook Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective June 2, 2009 · 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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	14 (2012–2024)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 13 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

Wildfire risk around 481 Overlook Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
French Broad EMC Fiber	1,000 / 1,000
Zito Media Fiber · Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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