McDowell County property record for 495 Bear Cub Dr, Spruce Pine, NC 28777
| Property Type | Rural Home |
|---|---|
| Details | 1 bd · 1 ba · 455 sqft · built 1996 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $627 (2025) |
| Deeds & Mortgages | Dec 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1719-00-96-4249 |
| Primary APN | 1719-00-96-4249 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 455 sqft Heated Area |
| Gross Area | 1,227 sqft |
| 1st Floor Area | 325 sqft |
| Basement Area | 325 sqft |
| Unfinished Basement | 325 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Deck Area | 65 sqft |
| Shed | 1 Shed |
| Shed Area | 198 sqft |
| Cooling System | None |
|---|---|
| Heating Fuel | Oil |
| Account Number | 76502 |
|---|---|
| Street Address | 495 BEAR CUB DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-6334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 0.24 AC LT 18 BEAR DEN ACRES PB 4/225 |
| Legal Subdivision | BEAR DEN ACRES DEVELOPMENT INC |
| Legal Phase | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | NORTH COVE |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 970102 |
495 Bear Cub Dr, a rural home, is held in a trust since November 2021.
Source: McDowell County records, as of December 2, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 104 ERICA PL, GREENWOOD, SC 29649-8497 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2004 |
| Deed Sale | Mar 1, 2004 |
| Deed Book / Page | 770 / 872 |
| Last Transfer Date | Nov 30, 2021 |
| Transfer Doc | 0013790682 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Dec 6, 2021 |
| Property Address | 495 BEAR CUB DR, SPRUCE PINE, NC 28777-6334 |
| Document Number | 0013790682 |
| Book / Page | 1379 / 682 |
| Map Reference | MB 4 PG 225 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021007791 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 ERICA PL, GREENWOOD, SC 29649-8497 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 104 ERICA PL, GREENWOOD, SC 29649-8497 |
The 2025 property tax bill for 495 Bear Cub Dr was $627.
Source: McDowell County assessment roll, as of September 30, 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 | $627.00 | $91,250 Land $31,500 Building $59,750 | |
| 2023 | $627.00 | $91,250 Land $31,500 Building $59,750 | $91,250 Land $31,500 Building $59,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 Bear Cub Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2024.
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.
Wildfire risk around 495 Bear Cub Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 75% 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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