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176 Bear Cliff Dr, Nebo, NC 28761 Property Records

McDowell County property record for 176 Bear Cliff Dr, Nebo, NC 28761

Property Summary

Property TypeRural Home
Details2 bd · 2.5 ba · 1,520 sqft · built 2005
Lot Size0.46 acres (20,038 sqft)
OwnerCompany Name on Record
Last Sale$408,000 (Mar 2018)
Tax Bill$3,939 (2025)
Deeds & MortgagesAug 2019 Transfer
Mar 2018 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN1724-00-12-1431

Property Details

APN / Parcel Number

Primary APN1724-00-12-1431
Alternative APN
  • 70538

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,520 sqft Heated Area
Gross Area4,834 sqft
1st Floor Area1,280 sqft
Basement Area1,280 sqft
Finished Basement1,280 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialLogs
Roof TypeGable
Roof MaterialAsphalt
Lot Area20,038 sqft (0.46 acres)
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number70538
Street Address176 BEAR CLIFF DR
CityNEBO
StateNC
Zip28761-0103
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionLT 4 TRACT 7 BEAR CLIFFS/D .46 AC
Legal SubdivisionBEAR CLIFFSD
Legal Tract7
Legal Lot Number4
JurisdictionMCDOWELL NC
Township / Civil DivisionNEBO
Census Block Group2
Census Block2034
Census Tract970102

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 RecordCompany Name on Record
Mailing Address176 BEAR CLIFF DR, NEBO, NC 28761-0103
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Mar 27, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Feb 21, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 27, 2018 · Amount on Record
Deed SaleMar 27, 2018 · Amount on Record
Prior SaleMay 28, 2010 · Amount on Record
Deed Document Number20181321
Deed Book / Page1240 / 32
Last Transfer DateAug 12, 2019
Transfer Doc0012820452
Record UpdatedJun 8, 2026

August 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMCDOWELL NC
Recording DateAug 12, 2019
Property AddressLAKE JAMES RD, NEBO, NC 28761
Document Number0012820452
Book / Page001282 / 000452
Instrument DateAug 12, 2019
Instrument3752
Transaction TypeTransfer
Record UpdatedAug 19, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCDOWELL NC
Recording DateMar 27, 2018
Property AddressLAKE JAMES RD, NEBO, NC 28761
Document Number0012400032
Book / Page001240 / 000032
Instrument DateMar 27, 2018
Instrument1321
Transaction TypeTransfer
Record UpdatedApr 2, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$816.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address49 BEAR CLIFF DR NEBO NC 28761, NEBO, NC 28761

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCDOWELL NC
Recording DateFeb 21, 2018
Property AddressLAKE JAMES RD, NEBO, NC 28761
Document Number0012370060
Book / Page001237 / 000060
Instrument DateFeb 21, 2018
Instrument733
Transaction TypeTransfer
Record UpdatedFeb 27, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address338 HANKINS RD MARION NC 287528837, MARION, NC 28752-8837

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMcDowell County
Unified School DistrictMcDowell County Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,939.00$564,350 (-) Land $100,000 Building $464,350
2023$3,939.00$564,350 Land $100,000 Building $464,350$564,350 Land $100,000 Building $464,350

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims7 (2020–2024)
Most Recent ClaimSep 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 RiskModerate
above 48% of the US · above 70% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 17 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Skyrunner
Fixed Wireless		25 / 10
Frontier
DSL		10 / 1

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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