712 Settlers Trl, Mars Hill, NC 28754 Property Records

Madison County property record for 712 Settlers Trl, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,336 sqft · built 2014
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Aug 2022)
Tax Bill	$3,640 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9746-14-3777`

Property Details

APN / Parcel Number

Primary APN	`9746-14-3777`
Alternative APNs	`9746143777 0022992` `22992`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	4,336 sqft Heated Area
1st Floor Area	2,368 sqft
Basement Area	2,368 sqft
Finished Basement	1,968 sqft
Unfinished Basement	400 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	600 sqft
Porch	Slab
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Heat Pump

Location & Zoning

Street Address	712 SETTLERS TRL
City	MARS HILL
State	NC
Zip	28754-9144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	SETTLERS COVE LO:19 PH:2 PL:5-412
Legal Subdivision	SETTLERS COVE
Legal Phase	2
Legal Block	14
Legal Lot Number	19
Jurisdiction	MADISON NC
Township / Civil Division	3, MARS HILL
Census Block Group	1
Census Block	1044
Census Tract	10602

Owner

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	2 Individual Names on Record
Mailing Address	712 SETTLERS TRL, MARS HILL, NC 28754-9144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 25, 2017	Deed of Trust, Mortgage STATE EMPLOYEES CU
Sep 22, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Prior Sale	Sep 22, 2021 · Amount on Record
Deed Document Number	2022347807
Deed Book / Page	756 / 510
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Aug 9, 2022
Property Address	712 SETTLERS TRL, MARS HILL, NC 28754-9144
Document Number	0007560510
Book / Page	756 / 510
Map Reference	MB 5 PG 412
Instrument Date	Aug 2, 2022
Instrument	347807
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10406 ALCON BLUE DR, 10406, RIVERVIEW, FL 33578-4071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 SETTLERS TRL, MARS HILL, NC 28754-9144

Mortgage

Document Number	0000347808
Date	Aug 9, 2022
Instrument	347808

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	712 SETTLERS TRL, MARS HILL, NC 28754-9144
Transaction Type	Mortgage
Record Updated	Nov 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006290172
Date	Apr 25, 2017
Book Page	629/172

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	WEAVERVILLE, NC 28787

Agreement

Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Sep 22, 2021
Property Address	712 SETTLERS TRL, MARS HILL, NC 28754-9144
Document Number	0007300513
Book / Page	730 / 513
Map Reference	MB 5 PG 412
Instrument Date	Sep 14, 2021
Instrument	343307
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2533, WEAVERVILLE, NC 28787-2533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 SETTLERS TRL, MARS HILL, NC 28754-9144

Mortgage

Document Number	343308
Date	Sep 22, 2021
Instrument	343308

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Madison County
Unified School District	Madison County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,640.00	$768,900 (+75.1%) Land $69,850 Building $699,050	$768,900 (+75.1%) Land $69,850 Building $699,050
2023		$439,124 Land $63,500 Building $375,624	$439,124 Land $63,500 Building $375,624

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 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
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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 61% of the US · above 84% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
French Broad EMC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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