186 Harmony Dr, Nebo, NC 28761 Property Records

McDowell County property record for 186 Harmony Dr, Nebo, NC 28761

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,456 sqft · built 2005
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Aug 2025)
Tax Bill	$773 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage May 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`1731-00-93-7191`

Property Details

APN / Parcel Number

Primary APN	`1731-00-93-7191`
Alternative APN	`42224`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	42224
Street Address	186 HARMONY DR
City	NEBO
State	NC
Zip	28761-7727
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LT 41 HARMONY ESTATES S/D.22 AC
Legal Subdivision	HARMONY EST
Legal Lot Number	41
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	1
Census Block	1009
Census Tract	970904

Owner

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

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	186 HARMONY DR, NEBO, NC 28761-7727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2025	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 1, 2025	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Prior Sale	May 1, 2025 · Amount on Record
Deed Document Number	2025003825
Deed Book / Page	1510 / 59
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Aug 11, 2025
Property Address	186 HARMONY DR, NEBO, NC 28761-7727
Document Number	0015100059
Book / Page	1510 / 59
Map Reference	MB 4 PG 369
Instrument Date	Jul 22, 2025
Instrument	2025003825
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12973 DOCK WAY, WEST PALM BEACH, FL 33410-1347

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	186 HARMONY DR, NEBO, NC 28761-7727

Mortgage

Document Number	2025003826
Date	Aug 11, 2025
Instrument	2025003826

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

May 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 1, 2025
Property Address	186 HARMONY DR, NEBO, NC 28761-7727
Document Number	0014990955
Book / Page	1499 / 955
Map Reference	MB 4 PG 369
Instrument Date	Apr 25, 2025
Instrument	2025002063
Transaction Type	Foreclosure
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$164.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4100 CARMEL RD, CHARLOTTE, NC 28226-6150

Tax Assessment & Valuation

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	$773.00 (+3.07%)	$114,050 (-) Land $25,000 Building $89,050
2023	$750.00	$114,050 Land $25,000 Building $89,050	$114,050 Land $25,000 Building $89,050

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

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

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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