195 Umberger Rd, Mount Ulla, NC 28125 Property Records

Rowan County property record for 195 Umberger Rd, Mount Ulla, NC 28125 · Last verified October 2023

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,842 sqft · built 1990
Lot Size	43.2 acres (1,882,228 sqft)
Owner	Individual Name on File
Last Sale	$665,000 (Sep 2021)
Tax Bill	$2,574 (2023)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`559 005`

Property Details

APN / Parcel Number

Primary APN	`559 005`
Alternative APN	`18038`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,842 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Lot Area	1,882,228 sqft (43.2 acres)
Lean-To	672 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	18038
Street Address	195 UMBERGER RD
City	MOUNT ULLA
State	NC
Zip	28125-7781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	43.21AC
Jurisdiction	ROWAN NC
Township / Civil Division	MOUNT ULLA
Census Block Group	2
Census Block	2034
Census Tract	51901

Owner

Source: Rowan County records · APN 559 005

Assessment roll updated January 1, 2023 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	195 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 03, 2025	Deed of Trust, Mortgage · Line of Credit AMERICAN AIRLINES FCU
Sep 02, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 14, 2020	Deed of Trust, Mortgage · Commercial Mortgage UWHARRIE BANK
Mar 06, 2019	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS NAT'L BK
Jun 08, 2017	Deed of Trust, Mortgage FARMERS & MERCHANTS NAT'L BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 02, 2021 · Amount on Record
Deed Sale	Sep 02, 2021 · Amount on Record
Prior Sale	Feb 20, 2004 · Amount on Record
Deed Document Number	0001383295
Deed Book / Page	1383 / 295
Record Updated	Jun 07, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1255 THICKET LN, MOUNT ULLA, NC 28125-7824
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS STLMT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014700175
Date	Oct 03, 2025
Book Page	1470/175

Lender

Name	AMERICAN AIRLINES FCU
Type	Credit Union
Address	DALLAS, TX 75261

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 02, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 02, 2021
Property Address	195 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Document Number	0013830295
Book / Page	1383 / 295
Instrument Date	Aug 27, 2021
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3807 CRIMSON CLOVER AVE, 3807, WAKE FOREST, NC 27587-3886

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 UMBERGER RD, MOUNT ULLA, NC 28125-7781

Mortgage

Document Number	1383296
Date	Sep 02, 2021
Instrument	1383/296

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	195 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013460727
Date	Apr 14, 2020
Book Page	1346/727

Lender

Name	UWHARRIE BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 14, 2040

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	195 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Document Number	0013240244
Instrument Date	Mar 06, 2019
Transaction Type	Mortgage
Record Updated	Mar 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6064 VILLAGE DR NW CONCORD NC 280275335, CONCORD, NC 28027-5335

Mortgage

Document Number	0013240244
Date	Mar 11, 2019
Book Page	001324/000244

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 10, 2034

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	195 UMBERGER RD, MOUNT ULLA, NC 28125-7781
Document Number	0012910371
Instrument Date	Jun 08, 2017
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 UMBERGER RD MOUNT ULLA NC 281257781, MOUNT ULLA, NC 28125-7781

Mortgage

Document Number	0012910371
Date	Jun 13, 2017
Book Page	001291/000371

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 12, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified October 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,574.00	$384,320 Land $93,210 Building $291,110	$384,320 Land $93,210 Building $291,110

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371590519012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 7 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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