788 S Main St, Mars Hill, NC 28754 Property Records

Madison County property record for 788 S Main St, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,532 sqft · built 1970
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,272 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9747-81-9051`

Property Details

APN / Parcel Number

Primary APN	`9747-81-9051`
Alternative APNs	`9747819071 0002834` `660469`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,532 sqft Heated Area
1st Floor Area	1,688 sqft
Attic	Attic
Attic Area	844 sqft
Flooring	Softwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	178,596 sqft (4.1 acres)
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	788 S MAIN ST
City	MARS HILL
State	NC
Zip	28754-6274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	PL:9-308
Legal Block	81
Jurisdiction	MADISON NC
Township / Civil Division	3, MARS HILL
Census Block Group	3
Census Block	3011
Census Tract	10602

Owner

788 S Main St is owned and occupied by two individuals who acquired it in October 2020.

Source: Madison County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	788 S MAIN ST, MARS HILL, NC 28754-6274
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 13, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST BANK
Feb 27, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 6, 2020
Transfer Doc	0007010531
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	788 S MAIN ST, MARS HILL, NC 28754-6274
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007290104
Date	Aug 31, 2021
Book Page	729/104
Instrument	343068

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON NC
Recording Date	Oct 13, 2020
Property Address	788 S MAIN ST, MARS HILL, NC 28754-6274
Document Number	0007010531
Book / Page	701 / 531
Map Reference	MB 9 PG 308
Instrument Date	Oct 6, 2020
Instrument	338350
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	788 S MAIN ST, MARS HILL, NC 28754-6274

Mortgage

Document Number	338351
Date	Oct 13, 2020
Instrument	338351

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Feb 27, 2020
Property Address	788 S MAIN ST, MARS HILL, NC 28754-6274
Document Number	0006850130
Book / Page	000685 / 000130
Instrument Date	Feb 20, 2020
Instrument	335621
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	788 S MAIN ST MARS HILL NC 287546274, MARS HILL, NC 28754-6274

Tax Assessment & Valuation

The 2025 property tax bill for 788 S Main St was $1,272.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,272.00	$303,392 (-) Land $48,483 Building $254,909	$303,392 (-) Land $48,483 Building $254,909
2024	$1,272.00	$303,392 (+23.16%) Land $48,483 Building $254,909	$303,392 (+23.16%) Land $48,483 Building $254,909
2023		$246,342 Land $43,952 Building $202,390	$246,342 Land $43,952 Building $202,390

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 788 S Main St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2024.

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 File 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	Tropical Storm Helene, Sep 2024 · 5 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

Wildfire risk around 788 S Main St is moderate, ranking above 52% 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 52% of the US · above 74% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MARS HILL serves 3,030 people · EPA ID NC0158010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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