276 Summit Dr, Nebo, NC 28761 Property Records

McDowell County property record for 276 Summit Dr, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 1,453 sqft · built 2022
Lot Size	1.3 acres (57,064 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Mar 2021)
Tax Bill	$3,146 (2025)
Deeds & Mortgages	May 2022 Construction Loan Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1637-00-31-9380`

Property Details

APN / Parcel Number

Primary APN	`1637-00-31-9380`
Alternative APN	`74533`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,453 sqft Heated Area
Basement Area	864 sqft
Finished Basement	864 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,064 sqft (1.3 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	74533
Street Address	276 SUMMIT DR
City	NEBO
State	NC
Zip	28761-0175
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	1.31 AC LT 60 GRANDVIEW PKS PB 13/14
Legal Subdivision	GRANDVIEW PEAKS
Legal Phase	2
Legal Lot Number	60
Jurisdiction	MCDOWELL NC
Township / Civil Division	BRACKETT
Census Block Group	2
Census Block	2030
Census Tract	970903

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	276 SUMMIT DR, NEBO, NC 28761-0175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
Mar 19, 2021	Warranty Deed, Transfer
Dec 27, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on Record
Deed Sale	Mar 19, 2021 · Amount on Record
Prior Sale	Dec 27, 2019 · Amount on Record
Deed Document Number	0001346321
Deed Book / Page	1346 / 321
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	276 SUMMIT DR, NEBO, NC 28761-0175
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 GLYNCASTLE WAY, GASTONIA, NC 28056-7515

Mortgage

Document Number	0014010403
Date	May 27, 2022
Book Page	1401/403
Instrument	2022003308

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jun 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Mar 19, 2021
Property Address	276 SUMMIT DR, NEBO, NC 28761-0175
Document Number	0013460321
Book / Page	1346 / 321
Map Reference	MB 13 PG 14
Instrument Date	Mar 18, 2021
Instrument	2021001790
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 GLYNCASTLE WAY, GASTONIA, NC 28056-7515

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Dec 27, 2019
Property Address	276 SUMMIT DR, NEBO, NC 28761-0175
Document Number	0012960692
Book / Page	001296 / 000692
Instrument Date	Dec 20, 2019
Instrument	6382
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$110.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3665 STARTOWN RD NEWTON NC 286589256, NEWTON, NC 28658-9256
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$3,146.00 (+70.42%)	$464,040 (+65.4%) Land $45,000 Building $419,040
2023	$1,846.00 (+515.33%)	$280,560 (+523.47%) Land $45,000 Building $235,560	$464,040 (+931.2%) Land $45,000 Building $419,040
2022	$300.00	$45,000 Land $45,000	$45,000 Land $45,000

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	5 in force

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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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 12 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

Cell Coverage

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

Nearby Properties on Summit Dr

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