198 Cedar Ln, Black Mountain, NC 28711 Property Records

McDowell County property record for 198 Cedar Ln, Black Mountain, NC 28711

Property Summary

Property Type	Rural Home
Details	2 bd · 2.5 ba · 2,980 sqft · built 2002
Lot Size	18 acres (784,080 sqft)
Owner	2 Individual Names on File
Last Sale	$58,500 (Sep 2000)
Tax Bill	$4,343 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0628-00-63-6873`

Property Details

APN / Parcel Number

Primary APN	`0628-00-63-6873`
Alternative APN	`30505`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,980 sqft Heated Area
Gross Area	4,772 sqft
1st Floor Area	1,932 sqft
Basement Area	932 sqft
Finished Basement	932 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asbestos
Lot Area	784,080 sqft (18 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	30505
Street Address	198 CEDAR LN
City	BLACK MOUNTAIN
State	NC
Zip	28711-9602
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	18.00 AC PER HAYNES SURVEY 07/26/2000
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	2
Census Block	2013
Census Tract	970800

Owner

198 Cedar Ln, a rural home, is owned by two individuals who bought it in September 2000.

Source: McDowell County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 966, BLACK MOUNTAIN, NC 28711-0966
Owner Type	Individual

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 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2000 · Amount on File
Deed Sale	Sep 1, 2000 · Amount on File
Deed Book / Page	626 / 239
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Recording Date	Apr 16, 2026
Property Address	198 CEDAR LN, BLACK MOUNTAIN, NC 28711-9602
Document Number	0000001778
Book / Page	1535 / 183
Instrument Date	Apr 10, 2026
Instrument	20261778
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 CEDAR LN, BLACK MOUNTAIN, NC 28711-9602

Mortgage

Document Number	0000001778,
Date	Apr 16, 2026
Book Page	1535/183
Instrument	20261778

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Recording Date	Apr 16, 2026
Property Address	198 CEDAR LN, BLACK MOUNTAIN, NC 28711-9602
Document Number	0015350183
Book / Page	1535 / 183
Instrument Date	Apr 10, 2026
Instrument	20261778
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 CEDAR LN, BLACK MOUNTAIN, NC 28711-9602

Mortgage

Document Number	0000001778,
Date	Apr 16, 2026
Book Page	1535/183
Instrument	20261778

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 198 Cedar Ln was $4,343.

Source: McDowell County assessment roll, as of September 30, 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	$4,343.00	$670,880 Land $172,800 Building $498,080
2023	$4,343.00	$670,880 Land $172,800 Building $498,080	$670,880 Land $172,800 Building $498,080

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

Flood

FEMA maps place 198 Cedar Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · 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	3 in force
Nearby Flood Claims	3 (2013–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 198 Cedar Ln is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 87% of North Carolina
Wildfire Likelihood	0.2% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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