Madison County property record for 697 Bear Cove Rd, Mars Hill, NC 28754
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,632 sqft · built 2003 |
| Lot Size | 2.97 acres (129,373 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,966 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9749-98-4963 |
| Primary APN | 9749-98-4963 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,632 sqft Heated Area |
| 1st Floor Area | 1,632 sqft |
| Basement Area | 1,632 sqft |
| Unfinished Basement | 1,632 sqft |
| Flooring | Hardwood |
| Interior Walls | Log |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Logs |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 129,373 sqft (2.97 acres) |
| Porch | Slab |
| Porch Area | 528 sqft |
| Deck Area | 240 sqft |
| Cooling System | Other |
|---|---|
| Heating System | Heat Pump |
| Street Address | 697 BEAR COVE RD |
|---|---|
| City | MARS HILL |
| State | NC |
| Zip | 28754-5828 |
| 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 | 7, EBBS CHAPEL |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 10700 |
697 Bear Cove Rd is owned and occupied by two individuals who acquired it in December 1998.
Source: Madison County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 697 BEAR COVE RD, MARS HILL, NC 28754-5828 |
| 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.
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Jun 23, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 17, 2017 | Deed of Trust, Mortgage · Commercial Mortgage ASHEVILLE SAVINGS BANK SSB |
| Dec 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 1998 |
| Deed Sale | Dec 19, 1998 |
| Deed Book / Page | 289 / 670 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 697 BEAR COVE RD, MARS HILL, NC 28754-5828 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007130065 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 713/65 |
| Instrument | 340221 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 697 BEAR COVE RD, MARS HILL, NC 28754-5828 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007530703 |
|---|---|
| Date | Jun 23, 2022 |
| Book Page | 753/703 |
| Instrument | 347295 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Apr 29, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 697 BEAR COVE RD, MARS HILL, NC 28754-5828 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0006230303 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 623/303 |
| Name | ASHEVILLE SAVINGS BANK SSB |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 5, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 697 BEAR COVE RD, MARS HILL, NC 28754-5828 |
| Document Number | 0006810475 |
| Instrument Date | Dec 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 697 BEAR COVE RD MARS HILL NC 287545828, MARS HILL, NC 28754-5828 |
| Document Number | 0006810475 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 000681/000475 |
| Instrument | 334996 |
| Name | FIRST BK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 22, 2049 |
The 2025 property tax bill for 697 Bear Cove Rd was $1,966.
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 | $1,966.00 | $397,010 Land $60,713 Building $336,297 | $397,010 Land $60,713 Building $336,297 |
| 2023 | $268,304 Land $57,272 Building $211,032 | $268,304 Land $57,272 Building $211,032 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 697 Bear Cove Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 697 Bear Cove Rd is moderate, ranking above 50% 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 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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