185 Umberger Rd, Mount Ulla, NC 28125 Property Records

Rowan County property record for 185 Umberger Rd, Mount Ulla, NC 28125

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,345 sqft · built 2017
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Tax Bill	$3,035 (2023)
Deeds & Mortgages	May 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`559 022`

Property Details

APN / Parcel Number

Primary APN	`559 022`
Alternative APN	`6076110`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,345 sqft Living Area

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	60,984 sqft (1.4 acres)
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	6076110
Street Address	185 UMBERGER RD
City	MOUNT ULLA
State	NC
Zip	28125-7781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L1 1.40AC
Legal Subdivision	REGINA L NESBIT
Legal Lot Number	1
Jurisdiction	ROWAN NC
Township / Civil Division	MOUNT ULLA
Census Block Group	2
Census Block	2034
Census Tract	51901

Owner

Source: Rowan County records, as of October 9, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	185 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 23, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 8, 2017	Deed of Trust, Mortgage · Construction Mortgage HAMILTON STATE BANK
Aug 28, 2017	Deed of Trust, Mortgage · FHA Mortgage THE CRESCENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2015
Deed Sale	Jul 17, 2015
Deed Document Number	0001255466
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	185 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Transaction Type	Mortgage
Record Updated	May 16, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014010512
Date	May 6, 2022
Book Page	1401/512

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	185 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013700989
Date	Mar 23, 2021
Book Page	1370/989

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	185 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012860100
Date	Mar 8, 2017
Book Page	1286/0100

Lender

Name	HAMILTON STATE BANK
Type	Bank
Address	FLOWERY BRANCH, GA 30542

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 8, 2018

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	185 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Document Number	0012950874
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	185 UMBERGER RD MOUNT ULLA NC 281257781, MOUNT ULLA, NC 28125-7781

Mortgage

Document Number	0012950874
Date	Sep 1, 2017
Book Page	001295/000874

Lender

Name	THE CRESCENT MTG
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Rowan County
Unified School District	Rowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,035.00	$453,101 Land $40,684 Building $412,417	$453,101 Land $40,684 Building $412,417

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 May 10, 2024 · 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
Nearby Flood Policies	1 in force

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 67% of the US · above 43% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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