203 Birchfield Mill Loop, Nebo, NC 28761 Property Records

McDowell County property record for 203 Birchfield Mill Loop, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,448 sqft · built 2003
Lot Size	3.66 acres (159,430 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Apr 2020)
Tax Bill	$4,100 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1740-00-94-1761`

Property Details

APN / Parcel Number

Primary APN	`1740-00-94-1761`
Alternative APN	`72003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,448 sqft Heated Area
Gross Area	5,404 sqft
1st Floor Area	1,768 sqft
Basement Area	1,264 sqft
Finished Basement	1,264 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asbestos
Lot Area	159,430 sqft (3.66 acres)
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	72003
Street Address	203 BIRCHFIELD MILL LOOP
City	NEBO
State	NC
Zip	28761-0036
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	3.66 AC (4.03 - 0.37 AC PB 13/28)
Legal Subdivision	SURVEY FOR TIM KELLER
Legal Tract	3
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	1
Census Block	1009
Census Tract	970904

Owner

Source: McDowell County records, as of December 2, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	203 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST HM MTG CORP/AMERICA
Feb 2, 2017	Intrafamily Transfer, Transfer · ARM STATE EMPLOYEES CU
Feb 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	Feb 3, 2017 · Amount on Record
Deed Document Number	20201676
Deed Book / Page	1305 / 957
Prior Transfer Date	Jan 27, 2017
Prior Transfer Doc	0012040169
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	203 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0036
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	203 BIRCHFIELD MILL LOOP NEBO NC 287610036, NEBO, NC 28761-0036

Mortgage

Document Number	13050960
Date	Apr 8, 2020
Book Page	001305/000960
Instrument	1677

Lender

Name	FIRST HM MTG CORP/AMERICA
Type	Mortgage Company
Address	BALTIMORE, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2050

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Feb 2, 2017
Property Address	203 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0036
Document Number	0012040169
Book / Page	1204 / 0169
Map Reference	MB 27 PG 64
Instrument Date	Jan 27, 2017
Instrument	2017000532
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0036

Mortgage

Document Number	2017000533
Date	Feb 2, 2017
Instrument	2017000533

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Feb 3, 2017
Property Address	203 BIRCHFIELD MILL LOOP, NEBO, NC 28761-0036
Document Number	0012040302
Book / Page	001204 / 000302
Instrument Date	Jan 27, 2017
Instrument	558
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$6.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2110 PINNACLE CHURCH RD NEBO NC 287618793, NEBO, NC 28761-8793

Tax Assessment & Valuation

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	$4,100.00 (+3.04%)	$604,860 (-) Land $31,500 Building $573,360
2023	$3,979.00	$604,860 Land $31,500 Building $573,360	$604,860 Land $31,500 Building $573,360

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Optimum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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