Madison County property record for 90 Cottage Ln, Mars Hill, NC 28754
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,981 sqft · built 2004 |
| Lot Size | 0.115 acres (5,011 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (Dec 2020) |
| Tax Bill | $2,238 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9862-34-8852 |
| Primary APN | 9862-34-8852 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,981 sqft Heated Area |
| 1st Floor Area | 1,296 sqft |
| Attic | Attic |
| Attic Area | 389 sqft |
| Basement Area | 1,296 sqft |
| Finished Basement | 1,296 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,011 sqft (0.115 acres) |
| Porch | Slab |
| Porch Area | 392 sqft |
| Deck Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 90 COTTAGE LN |
|---|---|
| City | MARS HILL |
| State | NC |
| Zip | 28754-6362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | COTTAGES OF WOLF LAUREL LO:6 PL:3-933 |
| Legal Subdivision | EAGLES NEST |
| Legal Block | 34 |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON NC |
| Township / Civil Division | 7, EBBS CHAPEL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10100 |
90 Cottage Ln is owned by an individual who bought it in December 2020.
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 | Individual Name on File |
|---|---|
| Mailing Address | 203 GROVE ST, CHARLESTON, SC 29403-3633 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2020 · Amount on File |
| Deed Sale | Dec 16, 2020 · Amount on File |
| Prior Sale | Dec 3, 2003 · Amount on File |
| Deed Document Number | 2020339321 |
| Deed Book / Page | 707 / 576 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON NC |
| Recording Date | Dec 16, 2020 |
| Property Address | 90 COTTAGE LN, MARS HILL, NC 28754-6362 |
| Document Number | 0007070576 |
| Book / Page | 707 / 576 |
| Map Reference | MB 3 PG 933 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 339321 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3252 VILLAGE LN, 3252, PORT CHARLOTTE, FL 33953-5692 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 203 GROVE ST, CHARLESTON, SC 29403-3633 |
| Document Number | 339322 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 339322 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 90 Cottage Ln was $2,238.
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 | $2,238.00 | $457,530 Land $43,600 Building $413,930 | $457,530 Land $43,600 Building $413,930 |
| 2023 | $313,481 Land $33,578 Building $279,903 | $313,481 Land $33,578 Building $279,903 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 90 Cottage Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.
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.
Wildfire risk around 90 Cottage Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| French Broad EMC Fiber | 1,000 / 1,000 |
4G LTE only, no 5G reported
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