115 Birchfield Mill Loop, Nebo, NC 28761 Property Records

McDowell County property record for 115 Birchfield Mill Loop, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,624 sqft · built 2006
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Feb 2018)
Tax Bill	$3,218 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1740-00-94-6202`

Property Details

APN / Parcel Number

Primary APN	`1740-00-94-6202`
Alternative APN	`70792`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,624 sqft Heated Area
Gross Area	3,958 sqft
1st Floor Area	1,624 sqft
Basement Area	1,064 sqft
Finished Basement	1,064 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asbestos
Lot Area	130,680 sqft (3 acres)
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	70792
Street Address	115 BIRCHFIELD MILL LOOP
City	NEBO
State	NC
Zip	28761-0034
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	6.17 AC
Legal Subdivision	SURVEY FOR LARRY W BIRCHFIELD
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	1
Census Block	1009
Census Tract	970904

Owner

Source: McDowell County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	115 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2018	Warranty Deed, Transfer · VA Mortgage USAA FSB
Feb 2, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2018 · Amount on Record
Deed Sale	Feb 2, 2018 · Amount on Record
Prior Sale	Jan 28, 2014 · Amount on Record
Deed Document Number	2018459
Deed Book / Page	1235 / 752
Prior Transfer Date	Jan 24, 2014
Prior Transfer Doc	0011210183
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Feb 2, 2018
Property Address	115 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0034
Document Number	0012350752
Book / Page	1235 / 0752
Instrument Date	Jan 31, 2018
Instrument	2018000459
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 W VIRGINIA RD, BROWNS MILLS, NJ 08015-5304

Mortgage

Document Number	2018000460
Date	Feb 2, 2018
Instrument	2018000460

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Mortgage

Document Number	0012350758
Date	Feb 2, 2018
Book Page	1235/0758
Instrument	2018000460

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Feb 2, 2018
Property Address	115 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0034
Document Number	0012350752
Book / Page	001235 / 000752
Instrument Date	Jan 31, 2018
Instrument	459
Transaction Type	Transfer
Record Updated	Sep 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 W VIRGINIA RD BROWNS MILLS NJ 080155304, BROWNS MILLS, NJ 08015-5304

Mortgage

Document Number	12350758
Date	Feb 2, 2018
Book Page	001235/000758
Instrument	460

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,218.00 (+3.04%)	$474,680 (-) Land $75,000 Building $399,680
2023	$3,123.00	$474,680 Land $75,000 Building $399,680	$474,680 Land $75,000 Building $399,680

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 13, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Optimum.

Cell Coverage

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

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