145 Harmony Dr, Nebo, NC 28761 Property Records

McDowell County property record for 145 Harmony Dr, Nebo, NC 28761

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,248 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (May 2023)
Tax Bill	$714 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1731-00-92-7981`

Property Details

APN / Parcel Number

Primary APN	`1731-00-92-7981`
Alternative APNs	`67758` `79799`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft
Lot Width	100 ft Width
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	79799
Street Address	145 HARMONY DR
City	NEBO
State	NC
Zip	28761-7727
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	0.22 AC+/- LT 10 HARMONY EST PB4/369
Legal Subdivision	HARMONY EST
Legal Lot Number	10
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	1
Census Block	1009
Census Tract	970904

Owner

145 Harmony Dr, a mobile home, is owned and occupied by an individual who bought it in May 2023.

Source: McDowell County records, as of September 29, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	145 HARMONY DR, NEBO, NC 28761-7727
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
May 19, 2023	Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC
May 3, 2018	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Prior Sale	May 3, 2018 · Amount on File
Deed Document Number	0001435659
Deed Book / Page	14356 / 59
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 19, 2023
Property Address	145 HARMONY DR, NEBO, NC 28761-7727
Document Number	0014350659
Book / Page	1435 / 659
Map Reference	MB 4 PG 368-370
Instrument Date	May 12, 2023
Instrument	2023002308
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	145 HARMONY DR, NEBO, NC 28761-7727

Mortgage

Document Number	2023002309
Date	May 19, 2023
Instrument	2023002309

Lender

Name	T2 FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 3, 2018
Property Address	145 HARMONY DR, NEBO, NC 28761-7727
Document Number	0012430467
Book / Page	1243 / 0467
Map Reference	MB 4 PG 368-370
Instrument Date	May 3, 2018
Instrument	2018002012
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	145 HARMONY DR, NEBO, NC 28761-7727

Mortgage

Document Number	2018002013
Date	May 3, 2018
Instrument	2018002013

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2033

Interest

Rate Type	Adjustable Rate
Index	5-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 145 Harmony Dr was $714.

Source: McDowell County assessment roll, as of January 1, 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	$714.00	$105,340 Land $25,000 Building $80,340
2023	$598.00	$90,890 Land $25,000 Building $65,890	$105,340 Land $25,000 Building $80,340

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

Flood

FEMA maps place 145 Harmony Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 145 Harmony Dr 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARMONY ESTATES S/D private · serves 100 people · EPA ID NC0156136
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Skyrunner, Verizon.

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