1218 Spanish Oak Dr, Cedar Mountain, NC 28718 Property Records

Transylvania County property record for 1218 Spanish Oak Dr, Cedar Mountain, NC 28718

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,174 sqft · built 2006
Lot Size	27 acres (1,176,991 sqft)
Owner	2 Trust Names on File
Last Sale	$1,150,000 (Feb 2023)
Tax Bill	$5,251 (2026)
Deeds & Mortgages	Feb 2023 Sale Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`9522-08-8130-000`

Property Details

APN / Parcel Number

Primary APN	`9522-08-8130-000`
Alternative APNs	`58947900` `70575780`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	3,174 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Shingles
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,176,991 sqft (27 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70575780
Street Address	1218 SPANISH OAK DR
City	CEDAR MOUNTAIN
State	NC
Zip	28718-9107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	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

1218 Spanish Oak Dr is held in a trust since February 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 371, STUART, FL 34995-0371
Owner Type	Individual
Vesting	Trust

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
Feb 1, 2023	Warranty Deed, Transfer
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2023 · Amount on File
Deed Sale	Feb 1, 2023 · Amount on File
Prior Sale	Dec 1, 1997 · Amount on File
Deed Document Number	2023486
Deed Book / Page	1067 / 613
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Feb 1, 2023
Property Address	1218 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9107
Document Number	0010670613
Book / Page	1067 / 613
Map Reference	FILE 14 SL 464
Instrument Date	Jan 30, 2023
Instrument	2023000486
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount on Record
Tax	$2,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 STRAWBRIDGE CT, ASHEVILLE, NC 28803-1372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 371, STUART, FL 34995-0371

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	1218 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9107
Transaction Type	Mortgage
Record Updated	Jan 27, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9107

Mortgage

Document Number	0010190549
Date	Jan 13, 2022
Book Page	1019/549
Instrument	2022000283

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BREVARD, NC 28712

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Dec 22, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 1218 Spanish Oak Dr was $5,251.

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	$5,251.00	$1,092,820 Land $248,960 Building $843,860	$1,092,820 Land $248,960 Building $843,860
2023	$4,804.00	$729,820 Land $284,520 Building $445,300	$729,820 Land $284,520 Building $445,300

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

Flood

FEMA maps place 1218 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 1218 Spanish Oak Dr is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% 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 only, no 5G reported

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