Madison County property record for 77 River Dr, Hot Springs, NC 28743
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,100 sqft · built 2019 |
| Lot Size | 0.819 acres (35,719 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8860-42-3520 |
| Primary APN | 8860-42-3520 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,100 sqft Heated Area |
| Basement Area | 2,100 sqft |
| Unfinished Basement | 2,100 sqft |
| Flooring | Hardwood |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 35,719 sqft (0.819 acres) |
| Deck Area | 600 sqft |
| Mobile Home / RV Hookup | Mobile Home / RV Hookup |
| Cooling System | Package A/C |
|---|---|
| Heating System | Other |
| Street Address | 77 RIVER DR |
|---|---|
| City | HOT SPRINGS |
| State | NC |
| Zip | 28743-9239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | PL:8-755 |
| Legal Block | 42 |
| Jurisdiction | MADISON NC |
| Township / Civil Division | 6, HOT SPRINGS |
| Census Block Group | 1 |
| Census Block | 1090 |
| Census Tract | 10200 |
77 River Dr is owned and occupied by an individual who acquired it in June 2019.
Source: Madison County records, as of November 22, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 77 RIVER DR, HOT SPRINGS, NC 28743-9239 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2019 |
| Deed Sale | Jun 24, 2019 |
| Deed Document Number | 0000670703 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Property Address | 77 RIVER DR, HOT SPRINGS, NC 28743-9239 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0007580321 |
|---|---|
| Date | Sep 9, 2022 |
| Book Page | 758/321 |
| Instrument | 348127 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MARSHALL, NC 28753 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Madison County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Madison County |
| Municipality | Hot Springs Town |
| Unified School District | Madison County Schools (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $291,734 Land $31,153 Building $260,581 | $291,734 Land $31,153 Building $260,581 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 77 River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 7 (2004–2024) |
| 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.
Wildfire risk around 77 River Dr is moderate, ranking above 45% 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 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF HOT SPRINGS serves 887 people · EPA ID NC0158020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyrunner Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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