1001 Spanish Oak Dr, Cedar Mountain, NC 28718 Property Records

Transylvania County property record for 1001 Spanish Oak Dr, Cedar Mountain, NC 28718

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,702 sqft · built 2007
Lot Size	10 acres (436,036 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Dec 2020)
Tax Bill	$5,860 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9522-19-9365-000`

Property Details

APN / Parcel Number

Primary APN	`9522-19-9365-000`
Alternative APN	`70524860`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,702 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	436,036 sqft (10 acres)
View / Lot	Waterfront
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70524860
Street Address	1001 SPANISH OAK DR
City	CEDAR MOUNTAIN
State	NC
Zip	28718-9126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L34-R SPANISH OAK DR
Legal Subdivision	IDLEWILD SUBDIVISION
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	LITTLE RIVER
Census Block Group	1
Census Block	1053
Census Tract	960404

Owner

1001 Spanish Oak Dr is owned and occupied by two individuals who bought it in December 2020.

Source: Transylvania County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1001 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9126
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
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Dec 30, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 30, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on File
Deed Sale	Dec 30, 2020 · Amount on File
Deed Document Number	20208316
Deed Book / Page	958 / 121
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Recording Date	Jul 21, 2026
Property Address	1001 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9126
Document Number	0000003528
Book / Page	1196 / 654
Instrument Date	Jun 22, 2026
Instrument	20263528
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9126

Mortgage

Document Number	0000003528,
Date	Jul 21, 2026
Book Page	1196/654
Instrument	20263528

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Dec 30, 2020
Property Address	1001 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9126
Document Number	0009580210
Book / Page	958 / 210
Map Reference	FILE 20 SL 442
Instrument Date	Dec 22, 2020
Instrument	2020008334
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 CHASE CT, 4, IRMO, SC 29063-8334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1533 HOGAN DR, LEXINGTON, KY 40511-2311

Mortgage

Document Number	2020008335
Date	Dec 30, 2020
Instrument	2020008335

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Dec 30, 2020
Property Address	1001 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9126
Document Number	0009580121
Book / Page	000958 / 000121
Instrument Date	Dec 22, 2020
Instrument	8316
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1054 DEER RIDGE RD CEDAR MOUNTAIN NC 287184501, CEDAR MOUNTAIN, NC 28718-4501

Tax Assessment & Valuation

The 2026 property tax bill for 1001 Spanish Oak Dr was $5,860.

Source: Transylvania County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Transylvania County
Unified School District	Transylvania County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,860.00	$1,219,710 (-) Land $139,640 Building $1,080,070	$1,219,710 (-) Land $139,640 Building $1,080,070
2025	$5,860.00	$1,219,710 Land $139,640 Building $1,080,070	$1,219,710 Land $139,640 Building $1,080,070
2023	$5,036.00	$765,010 Land $137,840 Building $627,170	$765,010 Land $137,840 Building $627,170

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

Flood

FEMA maps place 1001 Spanish Oak Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective June 26, 2017 · 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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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 1001 Spanish Oak Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Comporium DSL	10 / 1

May also be available: AT&T.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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