McDowell County property record for 33 Upper Ridge Rd, Black Mountain, NC 28711
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 4 ba · 1,500 sqft · built 2019 |
| Lot Size | 4.55 acres (198,634 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $23,000 (Mar 2015) |
| Tax Bill | $4,888 (2025) |
| Deeds & Mortgages | Oct 2018 Construction Loan Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0628-00-43-9476 |
| Primary APN | 0628-00-43-9476 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Heated Area |
| Basement Area | 1,500 sqft |
| Finished Basement | 1,500 sqft |
| Flooring | Hardwood |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Logs |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 198,634 sqft (4.55 acres) |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 60825 |
|---|---|
| Street Address | 33 UPPER RIDGE RD |
| City | BLACK MTN |
| State | NC |
| Zip | 28711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 4.56 AC NEW TRACT 3 PB 19/68 |
| Legal Subdivision | MICHAEL J ROSEMAN & BEVERLY A |
| Legal Tract | 3 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 970800 |
33 Upper Ridge Rd, a rural home, is owned by two individuals who bought it in March 2015.
Source: McDowell County records, as of September 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 25 UPPER RIDGE RD, BLACK MTN, NC 28711-8934 |
| 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.
| Date | Document |
|---|---|
| Oct 22, 2018 | Deed of Trust, Mortgage · Construction Mortgage THE FIRST BANK & TRUST CO |
| Sep 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2015 · Amount on File |
| Deed Sale | Mar 30, 2015 · Amount on File |
| Deed Document Number | 0001149794 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 33 UPPER RIDGE RD, BLACK MOUNTAIN, NC 28711-8934 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012580439 |
|---|---|
| Date | Oct 22, 2018 |
| Book Page | 1258/0439 |
| Instrument | 2018004896 |
| Name | THE FIRST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BRISTOL, VA 24202 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 22, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 33 UPPER RIDGE RD, BLACK MOUNTAIN, NC 28711-8934 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012850952 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 1285/0952 |
| Instrument | 2019004399 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 33 Upper Ridge Rd was $4,888.
Source: McDowell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,888.00 | $754,940 Land $62,020 Building $692,920 | |
| 2023 | $4,888.00 | $754,940 Land $62,020 Building $692,920 | $754,940 Land $62,020 Building $692,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 33 Upper Ridge Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.
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 risk around 33 Upper Ridge Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 79% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 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 |
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