38 Cascade Trl, Nebo, NC 28761 Property Records

McDowell County property record for 38 Cascade Trl, Nebo, NC 28761

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,472 sqft · built 2021
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on File
Last Sale	$74,000 (Oct 2019)
Tax Bill	$3,187 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1647-00-30-1158`

Property Details

APN / Parcel Number

Primary APN	`1647-00-30-1158`
Alternative APN	`71199`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,472 sqft Heated Area
Basement Area	1,472 sqft
Finished Basement	700 sqft
Unfinished Basement	772 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Asphalt
Lot Area	88,427 sqft (2.03 acres)
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	71199
Street Address	38 CASCADE TRL
City	NEBO
State	NC
Zip	28761-0258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.03 AC LT 343 GRANDVIEW PEAKS PH 13
Legal Subdivision	GRANDVIEW PEAKS
Legal Phase	13
Legal Lot Number	343
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	2
Census Block	2043
Census Tract	970903

Owner

38 Cascade Trl is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 CASCADE TRL, NEBO, NC 28761-0258
Occupancy	Owner Occupied
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
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK
Oct 24, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Aug 23, 2019	Warranty Deed, Transfer PHILIP & KATHRYN ANSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2019 · Amount on File
Deed Sale	Oct 24, 2019 · Amount on File
Prior Sale	Aug 23, 2019 · Amount on File
Deed Document Number	0001290240
Deed Book / Page	1290 / 240
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	38 CASCADES TRL, NEBO, NC 28761-0258
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013220359
Date	Sep 14, 2020
Book Page	1322/359
Instrument	2020004625

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 24, 2019
Property Address	38 CASCADES TRL, NEBO, NC 28761-0258
Document Number	0012900240
Book / Page	001290 / 000240
Instrument Date	Oct 22, 2019
Instrument	5162
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$148.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 NATHANS TRL LANCASTER NY 140869371, LANCASTER, NY 14086-9371

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Aug 23, 2019
Property Address	38 CASCADES TRL, NEBO, NC 28761-0258
Document Number	0012830920
Book / Page	001283 / 000920
Instrument Date	Aug 22, 2019
Instrument	4014
Transaction Type	Transfer
Record Updated	Sep 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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

Mortgage

Document Number	12830924
Date	Aug 23, 2019
Book Page	001283/000924
Instrument	4015

Lender

Name	PHILIP & KATHRYN ANSON
Address	1706 NE OCEAN BLVD, STUART, FL 34996-2927

Agreement

Amount	Amount on Record
Term	24 Months
Due	Aug 22, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 38 Cascade Trl was $3,187.

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	$3,187.00	$470,150 Land $45,000 Building $425,150
2023	$3,093.00	$470,150 Land $45,000 Building $425,150	$470,150 Land $45,000 Building $425,150

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

Flood

FEMA maps place 38 Cascade Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 38 Cascade Trl is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Frontier DSL	10 / 1

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cascade Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures