845 Settlers Trl, Mars Hill, NC 28754 Property Records

Madison County property record for 845 Settlers Trl, Mars Hill, NC 28754

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,778 sqft · built 2006
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Aug 2017)
Tax Bill	$3,083 (2025)
Deeds & Mortgages	Mar 2022 Sale Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9746-14-0302`

Property Details

APN / Parcel Number

Primary APN	`9746-14-0302`
Alternative APNs	`9746140302 0022987` `22987`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,778 sqft Heated Area
1st Floor Area	1,216 sqft
Attic	Attic
Attic Area	160 sqft
Basement Area	1,720 sqft
Finished Basement	1,290 sqft
Unfinished Basement	430 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
Garage Area	518 sqft
Porch	Patio
Porch Area	356 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Other

Location & Zoning

Street Address	845 SETTLERS TRL
City	MARS HILL
State	NC
Zip	28754-9142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	SETTLERS COVE LO:13 PH:2 PL:5-412
Legal Subdivision	SETTLERS COVE
Legal Phase	2
Legal Block	14
Legal Lot Number	13
Jurisdiction	MADISON NC
Township / Civil Division	3, MARS HILL
Census Block Group	1
Census Block	1043
Census Tract	10602

Owner

845 Settlers Trl is owned and occupied by two individuals who bought it in August 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	845 SETTLERS TRL, MARS HILL, NC 28754-9142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN
Aug 31, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2017 · Amount on File
Deed Sale	Aug 31, 2017 · Amount on File
Prior Sale	Oct 1, 2015 · Amount on File
Deed Book / Page	636 / 107
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Mar 30, 2022
Property Address	845 SETTLERS TRL, MARS HILL, NC 28754-9142
Document Number	0007460732
Book / Page	746 / 732
Map Reference	MB 5 PG 412
Instrument Date	Mar 28, 2022
Instrument	346107
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Tax	$1,478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	262 ROSE HILL RD, ASHEVILLE, NC 28803-8541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 SETTLERS TRL, MARS HILL, NC 28754-9142

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Aug 31, 2017
Property Address	845 SETTLERS TRL, MARS HILL, NC 28754-9142
Document Number	0006360107
Book / Page	000636 / 000107
Instrument Date	Aug 31, 2017
Instrument	326399
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 SETTLERS TRL MARS HILL NC 287549142, MARS HILL, NC 28754-9142

Mortgage

Document Number	6360110
Date	Aug 31, 2017
Book Page	000636/000110
Instrument	326400

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 845 Settlers Trl was $3,083.

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	$3,083.00	$645,272 Land $69,566 Building $575,706	$645,272 Land $69,566 Building $575,706
2023		$472,076 Land $63,242 Building $408,834	$472,076 Land $63,242 Building $408,834

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

Flood

FEMA maps place 845 Settlers Trl in Zone X, an area of minimal flood risk, though there have been 2 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
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

Wildfire risk around 845 Settlers Trl is moderate, ranking above 61% of the US, with a 0.2% annual chance of 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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