Madison County property record for 595 Bear Cove Rd, Mars Hill, NC 28754
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,602 sqft · built 2001 |
| Lot Size | 2.94 acres (128,066 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,000 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9749-98-3559 |
| Primary APN | 9749-98-3559 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,602 sqft Heated Area |
| 1st Floor Area | 1,602 sqft |
| Basement Area | 1,602 sqft |
| Unfinished Basement | 1,602 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 128,066 sqft (2.94 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | 108 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Other |
|---|---|
| Heating System | Heat Pump |
| Street Address | 595 BEAR COVE RD |
|---|---|
| City | MARS HILL |
| State | NC |
| Zip | 28754-8307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-A |
| Legal Subdivision | BEAR COVE SUBDIVISION |
| Legal Block | 98 |
| Jurisdiction | MADISON NC |
| Township / Civil Division | 4, BEECH GLENN |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 10700 |
Source: Madison County records, as of April 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 595 BEAR COVE RD, MARS HILL, NC 28754-8307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 30, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Jun 23, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 595 BEAR COVE RD, MARS HILL, NC 28754-8307 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0007660196 |
|---|---|
| Date | Jan 30, 2023 |
| Book Page | 766/196 |
| Instrument | 349608 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 595 BEAR COVE RD, MARS HILL, NC 28754-8307 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0006870019 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 687/19 |
| Instrument | 335964 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 595 BEAR COVE RD, MARS HILL, NC 28754-8307 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007530714 |
|---|---|
| Date | Jun 23, 2022 |
| Book Page | 753/714 |
| Instrument | 347296 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Madison County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Madison County |
| Unified School District | Madison County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,000.00 | $404,500 (+48.03%) Land $60,443 Building $344,057 | $404,500 (+48.03%) Land $60,443 Building $344,057 |
| 2023 | $273,256 Land $56,982 Building $216,274 | $273,256 Land $56,982 Building $216,274 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 31, 2024 · 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 | 3 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.
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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| French Broad EMC Fiber | 1,000 / 1,000 |
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