188 Black Ridge Dr, Bostic, NC 28018 Property Records

Rutherford County property record for 188 Black Ridge Dr, Bostic, NC 28018

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,117 sqft · built 2004
Lot Size	7.4 acres (322,344 sqft)
Owner	Company Name on File
Last Sale	$582,000 (Apr 2023)
Tax Bill	$3,228 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1636127`

Property Details

APN / Parcel Number

Primary APN	`1636127`
Alternative APN	`44798`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,117 sqft Heated Area
Basement Area	1,196 sqft
Finished Basement	1,196 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asphalt
Lot Area	322,344 sqft (7.4 acres)

Exterior Amenities

Porch	Slab
Porch Area	258 sqft
Deck Area	414 sqft
Patio Area	414 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	188 BLACK RIDGE DR
City	BOSTIC
State	NC
Zip	28018-5756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	YELLOWTOP MTN ESTATES LO:77 PH:5 PL:25-25
Legal Subdivision	YELLOWTOP MTN ESTATES
Legal Lot Number	77
Jurisdiction	RUTHERFORD NC
Township / Civil Division	LOGAN STORE
Census Block Group	1
Census Block	1027
Census Tract	960102

Owner

188 Black Ridge Dr is owned by a company that bought it in April 2023.

Source: Rutherford County records, as of September 9, 2025

Owner of Record	Company Name on File
Mailing Address	4351 NOCATEE LN, FORT MYERS, FL 33905-8312
Owner Type	Company
Vesting	Company

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
Apr 10, 2023	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 13, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2023 · Amount on File
Deed Sale	Apr 10, 2023 · Amount on File
Prior Sale	Oct 13, 2017 · Amount on File
Prior Transfer Date	Mar 10, 2021
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 10, 2023
Property Address	188 BLACK RIDGE DR, BOSTIC, NC 28018-5756
Document Number	0020704029
Book / Page	2070 / 4029
Map Reference	MB 25 PG 25
Instrument Date	Apr 5, 2023
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,164.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8419 E WOODLAND TRL, FINDLAY, OH 45840-7751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4351 NOCATEE LN, FORT MYERS, FL 33905-8312

Mortgage

Document Number	0020704033
Date	Apr 10, 2023
Instrument	2070/4033

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	May 1, 2028
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	Other
Margin	3
Max Rate	10.2%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	188 BLACK RIDGE DR, BOSTIC, NC 28018-5756
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020452930
Date	Apr 27, 2021
Book Page	2045/2930

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 13, 2017
Property Address	188 BLACK RIDGE DR, BOSTIC, NC 28018-5756
Document Number	0011600492
Book / Page	1160 / 492
Instrument Date	Oct 12, 2017
Instrument	201700003460
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 WATERS EDGE DR, 244, LEXINGTON, SC 29072-7085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 W END AVE, STATESVILLE, NC 28677-5157
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 188 Black Ridge Dr was $3,228.

Source: Rutherford County assessment roll, as of August 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,228.00	$512,500 Land $51,800 Building $460,700	$512,500 Land $51,800 Building $460,700
2023		$512,500 Land $51,800 Building $460,700	$512,500 Land $51,800 Building $460,700
2022	$2,649.00
2021	$2,649.00

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

Flood

FEMA maps place 188 Black Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 18, 2014 · 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

Wildfire risk around 188 Black Ridge Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: Carolina West Wireless.

Cell Coverage

4G LTE only, no 5G reported

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