Madison County property record for 881 Bear Br Rd, Mars Hill, NC 28754
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 975 sqft · built 1958 |
| Lot Size | 30.4 acres (1,325,531 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,000 (Oct 2022) |
| Tax Bill | $953 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9840-90-0196 |
| Primary APN | 9840-90-0196 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 975 sqft Heated Area |
| 1st Floor Area | 975 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 1,325,531 sqft (30.4 acres) |
| Garage Type | Carport |
| Garage Area | 360 sqft |
| Carport | Carport |
| Carport Area | 360 sqft |
| Porch | Patio |
|---|---|
| Porch Area | 719 sqft |
| Deck Area | 200 sqft |
| Mobile Home / RV Hookup | Mobile Home / RV Hookup |
| Street Address | 881 BEAR BRANCH RD |
|---|---|
| City | MARS HILL |
| State | NC |
| Zip | 28754-5809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-A |
| Legal Description | PL:5-856 |
| Legal Block | 90 |
| Jurisdiction | MADISON NC |
| Township / Civil Division | 7, EBBS CHAPEL |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 10100 |
Source: Madison County records, as of July 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 881 BEAR BRANCH RD, MARS HILL, NC 28754-5809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · VA Mortgage ACTS LENDING INC |
| Jul 8, 2026 | Deed of Trust, Mortgage · VA Mortgage ACTS LENDING INC |
| Oct 19, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2022 · Amount on Record |
| Deed Sale | Oct 19, 2022 · Amount on Record |
| Deed Document Number | 2022348614 |
| Deed Book / Page | 760 / 570 |
| Prior Transfer Date | Sep 28, 2022 |
| Prior Transfer Doc | 0007600570 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Recording Date | Jul 16, 2026 |
| Property Address | 881 BEAR BRANCH RD, MARS HILL, NC 28754-5809 |
| Document Number | 0000362499 |
| Book / Page | 838 / 184 |
| Instrument Date | Jul 11, 2026 |
| Instrument | 2026362499 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | VANTAGE POINT TITLE, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 881 BEAR BRANCH RD, MARS HILL, NC 28754-5809 |
| Document Number | 0000362499, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 838/184 |
| Instrument | 2026362499 |
| Name | ACTS LENDING INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NC |
| Recording Date | Jul 8, 2026 |
| Property Address | 881 BEAR BRANCH RD, MARS HILL, NC 28754-5809 |
| Document Number | 0000362430 |
| Book / Page | 837 / 628 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026362430 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | VANTAGE POINT TITLE, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 881 BEAR BRANCH RD, MARS HILL, NC 28754-5809 |
| Document Number | 0000362430, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 837/628 |
| Instrument | 2026362430 |
| Name | ACTS LENDING INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 2.25% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MADISON NC |
| Recording Date | Oct 19, 2022 |
| Property Address | 881 BEAR BRANCH RD, MARS HILL, NC 28754-5809 |
| Document Number | 0007600570 |
| Book / Page | 760 / 570 |
| Map Reference | MB 5 PG 856 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 348614 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2156 MAJESTIC WOODS BLVD, APOPKA, FL 32712-3200 |
| Name | Verified Name |
|---|---|
| Address | 881 BEAR BRANCH RD, MARS HILL, NC 28754-5809 |
| Document Number | 0000348615 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 348615 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
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 | $953.00 | $241,258 (-) Land $189,997 Building $51,261 | $241,258 (-) Land $189,997 Building $51,261 |
| 2024 | $953.00 | $241,258 (+58.19%) Land $189,997 Building $51,261 | $241,258 (+58.19%) Land $189,997 Building $51,261 |
| 2023 | $152,509 Land $114,768 Building $37,741 | $152,509 Land $114,768 Building $37,741 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 3 (2011–2012) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Aug 2012 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| French Broad EMC Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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