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

McDowell County property record for 496 Bear Cub Dr, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 336 sqft · built 2021
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$20,000 (Sep 2020)
Tax Bill	$1,022 (2025)
Deeds & Mortgages	Feb 2024 Transfer Sep 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1719-00-96-5266`

Property Details

APN / Parcel Number

Primary APN	`1719-00-96-5266`
Alternative APN	`73110`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	336 sqft Heated Area
Basement Area	336 sqft
Finished Basement	336 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Wood
Roof Type	Gambrel
Roof Material	Metal
Lot Area	10,890 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	73110
Street Address	496 BEAR CUB DR
City	SPRUCE PINE
State	NC
Zip	28777-6334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.25 AC LT 19 BEAR DEN ACRES PB4/189
Legal Subdivision	BEAR DEN ACRES DEV INC
Legal Phase	2
Legal Lot Number	19
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 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	496 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Intrafamily Transfer, Transfer
Sep 22, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Sep 22, 2020	Affidavit of Death, Transfer NOT AVAILABLE
Aug 5, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Sep 22, 2020 · Amount on Record
Deed Document Number	0013230514
Deed Book / Page	001323 / 000514
Last Transfer Date	Feb 2, 2024
Transfer Doc	0014580762
Record Updated	Jun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Feb 2, 2024
Property Address	496 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Document Number	0014580762
Book / Page	1458 / 762
Map Reference	MB 4 PG 189
Instrument Date	Jan 26, 2024
Instrument	2024000509
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 174, SPRUCE PINE, NC 28777-0174

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Sep 22, 2020
Property Address	496 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Document Number	0013230514
Book / Page	001323 / 000514
Instrument Date	Sep 10, 2020
Instrument	4823
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$40.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 73 BAKERSVILLE NC 287050073, BAKERSVILLE, NC 28705-0073

September 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MCDOWELL NC
Recording Date	Sep 22, 2020
Property Address	496 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Document Number	0013230512
Book / Page	001323 / 000512
Instrument Date	Sep 10, 2020
Instrument	4822
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Aug 5, 2019
Property Address	496 BEAR CUB DR, SPRUCE PINE, NC 28777-6334
Document Number	0012820032
Book / Page	001282 / 000032
Instrument Date	Aug 5, 2019
Instrument	3656
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 ELIZABETH ST WEST UNION WV 264562029, WEST UNION, WV 26456-2029

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of January 1, 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	$1,022.00	$148,650 (-) Land $35,000 Building $113,650
2023	$1,022.00	$148,650 Land $35,000 Building $113,650	$148,650 Land $35,000 Building $113,650

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

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 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.

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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