Madison County property record for 631 River Bend Dr, Mars Hill, NC 28754
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,424 sqft · built 2000 |
| Lot Size | 3.7 acres (161,172 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $304,500 (May 2011) |
| Tax Bill | $3,635 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9746-42-5203 |
| Primary APN | 9746-42-5203 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,424 sqft Heated Area |
| 1st Floor Area | 1,712 sqft |
| Basement Area | 1,712 sqft |
| Finished Basement | 1,712 sqft |
| Flooring | Hardwood |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 161,172 sqft (3.7 acres) |
| Porch | Patio |
| Deck Area | 320 sqft |
| Cooling System | Other |
|---|---|
| Heating System | Other |
| Street Address | 631 RIVER BEND DR |
|---|---|
| City | MARS HILL |
| State | NC |
| Zip | 28754-6178 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Subdivision | GLORIA CHARLOTTE CLOUSE NORTON |
| Legal Block | 42 |
| Jurisdiction | MADISON NC |
| Township / Civil Division | 3, MARS HILL |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 10602 |
Source: Madison County records, as of April 28, 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 | 631 RIVER BEND DR, MARS HILL, NC 28754-6178 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 18, 2018 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2011 · Amount on Record |
| Deed Sale | May 31, 2011 · Amount on Record |
| Prior Sale | Apr 19, 1993 · Amount on Record |
| Deed Book / Page | 517 / 531 |
| Last Transfer Date | Aug 31, 2014 |
| Transfer Doc | 0005780114 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 631 RIVER BEND DR, MARS HILL, NC 28754-6178 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0007540428 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 754/428 |
| Instrument | 347424 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.75% |
| Index | 5-Year CMT |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 631 RIVER BEND DR, MARS HILL, NC 28754-6178 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0006480256 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 648/256 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
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 | $3,635.00 | $767,868 (-) Land $99,663 Building $668,205 | $767,868 (-) Land $99,663 Building $668,205 |
| 2024 | $3,635.00 | $767,868 (+70.29%) Land $99,663 Building $668,205 | $767,868 (+70.29%) Land $99,663 Building $668,205 |
| 2023 | $450,905 Land $58,980 Building $391,925 | $450,905 Land $58,980 Building $391,925 |
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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 5 (2024) |
| Claims Outside the SFHA | 1 of 5 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 76% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| French Broad EMC Fiber | 1,000 / 1,000 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
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