McDowell County property record for 212 E Ridge Dr, #GRAY, Nebo, NC 28761
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,358 sqft · built 2023 |
| Lot Size | 0.97 acres (42,253 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Oct 2016) |
| Tax Bill | $8,186 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Feb 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1724-00-91-7594 |
| Primary APN | 1724-00-91-7594 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,358 sqft Heated Area |
| Gross Area | 6,612 sqft |
| 1st Floor Area | 2,358 sqft |
| Basement Area | 2,358 sqft |
| Finished Basement | 2,358 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,253 sqft (0.97 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 63169 |
|---|---|
| Street Address | 212 E RIDGE DR, GRAY |
| City | NEBO |
| State | NC |
| Zip | 28761 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 70 THE PENINSULA 0.970 AC PB 27 PG 6 |
| Legal Subdivision | THE PENINSULA AT LAKE JAMES |
| Legal Lot Number | 70 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | NEBO |
| Census Block Group | 2 |
| Census Block | 2079 |
| Census Tract | 970102 |
212 E Ridge Dr, #GRAY is owned and occupied by two individuals who bought it in October 2016.
Source: McDowell County records, as of April 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 212 E RIDGE DR, GRAY, NEBO, NC 28761 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK |
| Feb 5, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK |
| May 24, 2023 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL TRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2016 · Amount on File |
| Deed Sale | Oct 7, 2016 · Amount on File |
| Deed Document Number | 20164675 |
| Deed Book / Page | 1193 / 865 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 212 E RIDGE DR # GRAY, GRAY, NEBO, NC 28761 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Title Company | NCT |
| Name | Verified Name |
|---|---|
| Address | 212 GRAY RIDGE VIEW DR, NEBO, NC 28761-0368 |
| Document Number | 0015330346 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 1533/346 |
| Instrument | 2026001450 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 212 GRAY RIDGE VIEW DR, NEBO, NC 28761-0368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 212 GRAY RIDGE VIEW DR, NEBO, NC 28761-0368 |
| Document Number | 0014580976 |
|---|---|
| Date | Feb 5, 2024 |
| Book Page | 1458/976 |
| Instrument | 2024000555 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 212 GRAY RIDGE VIEW DR, NEBO, NC 28761-0368 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 261 HOBBY RD, HOLLY SPRINGS, NC 27540-4506 |
| Document Number | 0014360102 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 1436/102 |
| Instrument | 2023002382 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | ENGLEWOOD, CO 80111 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 212 E Ridge Dr, #GRAY was $8,186.
Source: McDowell County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,186.00 | $1,172,920 Land $300,000 Building $872,920 | |
| 2023 | $2,094.00 | $300,000 Land $300,000 | $1,172,920 Land $300,000 Building $872,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 212 E Ridge Dr, #GRAY in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 7 (2020–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 212 E Ridge Dr, #GRAY is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
4G LTE only, no 5G reported
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