31 Clear Sail Way, Nebo, NC 28761 Property Records

McDowell County property record for 31 Clear Sail Way, Nebo, NC 28761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,693 sqft · built 2018
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,330 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1734-00-02-4026`

Property Details

APN / Parcel Number

Primary APN	`1734-00-02-4026`
Alternative APN	`67715`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,693 sqft Heated Area
Gross Area	5,108 sqft
1st Floor Area	1,693 sqft
Basement Area	1,464 sqft
Finished Basement	1,464 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)
Garage Area	1,166 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	429 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	67715
Street Address	31 CLEAR SAIL WAY
City	NEBO
State	NC
Zip	28761-0280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60 THE PENINSULA 1.230 AC PB 27 PG 6
Legal Subdivision	THE PENINSULA AT LAKE JAMES
Legal Lot Number	60
Jurisdiction	MCDOWELL NC
Township / Civil Division	NEBO
Census Block Group	2
Census Block	2079
Census Tract	970102

Owner

31 Clear Sail Way is owned by two individuals who acquired it in April 2018.

Source: McDowell County records, as of December 2, 2025

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 430, FAIRVIEW, NC 28730-0430
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
Mar 8, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Apr 12, 2019	Quit Claim Deed, Transfer NATIONWIDE TITLE
Apr 19, 2018	Intrafamily Transfer, Transfer · Construction Mortgage FIRST BANK
Nov 21, 2017	Quit Claim Deed, Mortgage FIRST BK/CHAMPAIGN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 19, 2018
Transfer Doc	0012420228
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	31 CLEAR SAIL WAY, NEBO, NC 28761-0280
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CLEAR SAIL WAY, NEBO, NC 28761-0280

Mortgage

Document Number	0013900712
Date	Mar 8, 2022
Book Page	1390/712
Instrument	2022001388

Lender

Name	FIRST BANK
Type	Bank
Address	ASHEVILLE, NC 28803

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	31 CLEAR SAIL WAY, NEBO, NC 28761-0280
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013110061
Date	Jun 5, 2020
Book Page	1311/61
Instrument	2020002620

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 12, 2019
Property Address	31 CLEAR SAIL WAY, NEBO, NC 28761-0280
Document Number	0012710932
Book / Page	001271 / 000932
Instrument Date	Sep 27, 2018
Instrument	1606
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	NATIONWIDE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 N HILLS DR MARION NC 287529212, MARION, NC 28752-9212

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Apr 19, 2018
Property Address	31 CLEAR SAIL WAY, NEBO, NC 28761-0280
Document Number	0012420228
Book / Page	1242 / 0228
Map Reference	MB 27 PG 6&7
Instrument Date	Apr 19, 2018
Instrument	2018001746
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 430, FAIRVIEW, NC 28730-0430

Mortgage

Document Number	2018001747
Date	Apr 19, 2018
Instrument	2018001747

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	370 Months
Due	Feb 1, 2049

November 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 21, 2017
Property Address	31 CLEAR SAIL WAY, NEBO, NC 28761-0280
Document Number	0012300055
Book / Page	001230 / 000055
Instrument Date	Nov 20, 2017
Instrument	5635
Transaction Type	Mortgage
Record Updated	May 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 430 FAIRVIEW NC 287300430, FAIRVIEW, NC 28730-0430

Mortgage

Document Number	12300061
Date	Nov 21, 2017
Book Page	001230/000061
Instrument	5636

Lender

Name	FIRST BK/CHAMPAIGN
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Amount	Amount on Record
Term	60 Months
Due	Nov 20, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 31 Clear Sail Way was $6,330.

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	$6,330.00	$906,890 Land $330,000 Building $576,890
2023	$6,330.00	$906,890 Land $330,000 Building $576,890	$906,890 Land $330,000 Building $576,890

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

Flood

FEMA maps place 31 Clear Sail Way 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
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	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

Wildfire risk around 31 Clear Sail Way is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 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

Cell Coverage

4G LTE only, no 5G reported

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