1230 Dragging Canoe Trl, Nebo, NC 28761 Property Records

McDowell County property record for 1230 Dragging Canoe Trl, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,567 sqft · built 2009
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,350,000 (Jan 2026)
Tax Bill	$7,452 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1734-00-33-4281`

Property Details

APN / Parcel Number

Primary APN	`1734-00-33-4281`
Alternative APN	`75631`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,567 sqft Heated Area
Gross Area	3,329 sqft
1st Floor Area	1,921 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asbestos
Lot Area	33,106 sqft (0.76 acres)
Porch	Patio

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	75631
Street Address	1230 DRAGGING CANOE TRL
City	NEBO
State	NC
Zip	28761
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0.76 AC 1780 S/D CJL LOT 96 PB 16/100
Legal Subdivision	1780
Legal Lot Number	96
Jurisdiction	MCDOWELL NC
Township / Civil Division	NEBO
Census Block Group	2
Census Block	2040
Census Tract	970102

Owner

Source: McDowell County records, as of June 12, 2026

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	PO BOX 602, MONTREAT, NC 28757-0602
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Jul 23, 2021 · Amount on Record
Deed Document Number	2026445
Deed Book / Page	1527 / 723
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 30, 2026
Property Address	1230 DRAGGING CANOE TRL, NEBO, NC 28761
Document Number	0028520363
Book / Page	2852 / 363
Map Reference	MB 15 PG 23
Instrument Date	Jan 28, 2026
Instrument	2026000830
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1932 CRAIGMORE DR, CHARLOTTE, NC 28226-6204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 602, MONTREAT, NC 28757-0602

Mortgage

Document Number	2026000831
Date	Jan 30, 2026
Instrument	2026000831

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jan 30, 2026
Property Address	1230 DRAGGING CANOE TRL, NEBO, NC 28761
Document Number	0015270723
Book / Page	1527 / 723
Map Reference	MB 15 PG 23
Instrument Date	Jan 28, 2026
Instrument	2026000445
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1932 CRAIGMORE DR, CHARLOTTE, NC 28226-6204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 602, MONTREAT, NC 28757-0602

Mortgage

Document Number	2026000446
Date	Jan 30, 2026
Instrument	2026000446

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Type Change Date	Feb 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.32%
Max Rate At Change	7.32%
Index	5-Year CMT
Margin	2
Max Rate	11.3%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jul 23, 2021
Property Address	1230 DRAGGING CANOE TRL, NEBO, NC 28761
Document Number	0013620703
Book / Page	1362 / 703
Map Reference	MB 15 PG 23
Instrument Date	Jul 22, 2021
Instrument	2021004751
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	LAWYERS TITLE, LAWYERS TITLE LA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,761.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1932 CRAIGMORE DR, CHARLOTTE, NC 28226-6204

Mortgage

Document Number	2021004752
Date	Jul 23, 2021
Instrument	2021004752

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Aug 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.12%
Index	Other
Max Rate	7.12%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 23, 2021
Property Address	1230 DRAGGING CANOE TRL, NEBO, NC 28761
Document Number	0025570522
Book / Page	2557 / 522
Map Reference	MB 15 PG 23
Instrument Date	Jul 22, 2021
Instrument	2021008699
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,761.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1932 CRAIGMORE DR, CHARLOTTE, NC 28226-6204

Mortgage

Document Number	2021008700
Date	Jul 23, 2021
Instrument	2021008700

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	Other

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	$7,452.00	$1,084,040 (-) Land $427,500 Building $656,540
2023	$7,452.00	$1,084,040 Land $427,500 Building $656,540	$1,084,040 Land $427,500 Building $656,540

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (2020–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 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

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	0.04% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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