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232 Lake Crest Dr, Nebo, NC 28761 Property Records

McDowell County property record for 232 Lake Crest Dr, Nebo, NC 28761

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 5,388 sqft · built 2020
Lot Size2.03 acres (88,427 sqft)
Owner2 Individual Names on Record
Last Sale$90,000 (Jul 2019)
Tax Bill$7,136 (2025)
Deeds & MortgagesOct 2020 Construction Loan
Jul 2019 Sale
Flood ZoneZone X (minimal risk)
APN1724-00-22-2933

Property Details

APN / Parcel Number

Primary APN1724-00-22-2933
Alternative APN
  • 70432

Interior

Bedrooms4 Beds
Full Baths5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area5,388 sqft Heated Area
Basement Area3,583 sqft
Unfinished Basement3,583 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area88,427 sqft (2.03 acres)
Parking Spaces5 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number70432
Street Address232 LAKE CREST DR
CityNEBO
StateNC
Zip28761-9205
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 10 BEAR CLIFF 2.030 AC
Legal SubdivisionBEAR CLIFF SUB/LK JAMES
Legal PhaseV
Legal Lot Number10
JurisdictionMCDOWELL NC
Township / Civil DivisionNEBO
Census Block Group2
Census Block2034
Census Tract970102

Owner

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

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

Owner of Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address51 KATYDID DR, MARION, NC 28752-8868
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 8, 2020Deed of Trust, Construction Loan · Construction Mortgage
AMERIS BK
Jul 11, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 11, 2019 · Amount on Record
Deed SaleJul 11, 2019 · Amount on Record
Prior SaleJan 28, 2013 · Amount on Record
Deed Document Number0001279725
Deed Book / Page1279 / 725
Record UpdatedJun 8, 2026

October 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionMCDOWELL NC
Recording DateOct 8, 2020
Property Address232 LAKE CREST DR, NEBO, NC 28761-9205
Document Number0013250416
Book / Page001325 / 000416
Instrument DateOct 8, 2020
Instrument5190
Transaction TypeConstruction Loan
Record UpdatedOct 23, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address232 LAKE CREST DR NEBO NC 28761, NEBO, NC 28761

Mortgage

Document Number13250416
DateOct 8, 2020
Book Page001325/000416
Instrument5190
Lender
NameAMERIS BK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueOct 7, 2050

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCDOWELL NC
Recording DateJul 11, 2019
Property Address232 LAKE CREST DR, NEBO, NC 28761-9205
Document Number0012790725
Book / Page001279 / 000725
Instrument DateJul 11, 2019
Instrument3215
Transaction TypeTransfer
Record UpdatedJul 19, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$180.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address51 KATYDID DR MARION NC 287528868, MARION, NC 28752-8868

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMcDowell County
Unified School DistrictMcDowell County Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,136.00$1,022,370 (-) Land $50,000 Building $972,370
2023$7,136.00$1,022,370 Land $50,000 Building $972,370$1,022,370 Land $50,000 Building $972,370

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims7 (2020–2024)
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 6 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

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

Wildfire RiskModerate
above 50% of the US · above 71% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 12 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Skyrunner
Fixed Wireless		25 / 10

May also be available: Frontier.

Cell Coverage

5G and 4G LTE (outdoors only)

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