216 Harborside Dr, Nebo, NC 28761 Property Records

McDowell County property record for 216 Harborside Dr, Nebo, NC 28761

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,263 sqft · built 2018
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jul 2002)
Tax Bill	$5,860 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1723-00-25-0744`

Property Details

APN / Parcel Number

Primary APN	`1723-00-25-0744`
Alternative APN	`33937`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,263 sqft Heated Area
Basement Area	1,700 sqft
Unfinished Basement	1,700 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	33937
Street Address	216 HARBORSIDE DR
City	NEBO
State	NC
Zip	28761-0090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 62 THE ARBOR S/D.70 AC
Legal Subdivision	THE ARBOR S/D
Legal Lot Number	62
Jurisdiction	MCDOWELL NC
Township / Civil Division	NEBO
Census Block Group	1
Census Block	1001
Census Tract	970200

Owner

216 Harborside Dr is owned and occupied by two individuals who bought it in July 2002.

Source: McDowell County records, as of September 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	216 HARBORSIDE DR, NEBO, NC 28761-0090
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HOME LOANS LLC
Oct 31, 2017	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
Oct 12, 2018	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2002 · Amount on File
Deed Sale	Jul 1, 2002 · Amount on File
Deed Document Number	0000691636
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	216 HARBORSIDE DR, NEBO, NC 28761-0090
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013390560
Date	Feb 1, 2021
Book Page	1339/560
Instrument	2021000629

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	216 HARBORSIDE DR, NEBO, NC 28761-0090
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012280421
Date	Oct 31, 2017
Book Page	1228/0421
Instrument	2017005281

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	9.87%
Index	1-Year CMT
Max Rate	9.87%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	216 HARBORSIDE DR, NEBO, NC 28761-0090
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012570489
Date	Oct 12, 2018
Book Page	1257/0489
Instrument	2018004723

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	10.2%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2025 property tax bill for 216 Harborside Dr was $5,860.

Source: McDowell County assessment roll, as of January 1, 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	$5,860.00	$877,250 Land $190,000 Building $687,250
2023	$5,860.00	$877,250 Land $190,000 Building $687,250	$877,250 Land $190,000 Building $687,250

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

Flood

FEMA maps place 216 Harborside Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	12 (1994–2024)
Claims Outside the SFHA	7 of 12
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims

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 216 Harborside Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

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

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