26 Upper Ridge Rd, Black Mountain, NC 28711 Property Records

McDowell County property record for 26 Upper Ridge Rd, Black Mountain, NC 28711

Property Summary

Property Type	Other
Details	3 bd · 2 ba · 1,582 sqft · built 2007
Lot Size	0.64 acres (27,878 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Jul 2026)
Tax Bill	$1,442 (2025)
Deeds & Mortgages	Sep 2026 Sale Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0628-00-43-5724`

Property Details

APN / Parcel Number

Primary APN	`0628-00-43-5724`
Alternative APNs	`0628-00-43-2816` `45545`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,582 sqft Total Area
1st Floor Area	1,052 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asbestos
Lot Area	27,878 sqft (0.64 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	45545
Street Address	26 UPPER RIDGE RD
City	BLACK MOUNTAIN
State	NC
Zip	28711-8934
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	0.64 AC LOT 2 PER PB 30 PG 51
Legal Lot Number	2
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	2
Census Block	2032
Census Tract	970800

Owner

Source: McDowell County records, as of October 9, 2026

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

Owner of Record	Company Name on Record
Mailing Address	124 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 2, 2026	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Deed Document Number	20263187
Deed Book / Page	1543 / 766
Prior Transfer Date	Nov 21, 2024
Prior Transfer Doc	0000005558
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Sep 28, 2026
Property Address	26 UPPER RIDGE RD, BLACK MOUNTAIN, NC 28711-8934
Document Number	0000004899
Book / Page	1553 / 440
Instrument Date	Sep 24, 2026
Instrument	20264899
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	124 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jul 2, 2026
Property Address	26 UPPER RIDGE RD, BLACK MOUNTAIN, NC 28711-8934
Document Number	0000003187
Book / Page	1543 / 766
Instrument Date	Jun 24, 2026
Instrument	20263187
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 UPPER RIDGE RD, BLACK MOUNTAIN, NC 28711-8934

Mortgage

Document Number	0000003188,
Date	Jul 2, 2026
Instrument	20263188

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

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	$1,442.00 (-64.65%)	$222,720 (-64.65%) Land $12,160 Building $210,560
2023	$4,079.00	$630,080 Land $85,860 Building $544,220	$222,720 Land $12,160 Building $210,560

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 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

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

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.1% 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 26 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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