434 Free Path Dr, Nebo, NC 28761 Property Records

McDowell County property record for 434 Free Path Dr, Nebo, NC 28761

Property Summary

Property Type	Other Improved
Details	4 bd · 2 ba · 2,432 sqft · built 2005
Lot Size	2.49 acres (108,552 sqft)
Owner	2 Individual Names on File
Last Sale	$348,000 (Apr 2026)
Tax Bill	$1,965 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1731-00-61-9086`

Property Details

APN / Parcel Number

Primary APN	`1731-00-61-9086`
Alternative APN	`76564`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,432 sqft Total Area
1st Floor Area	2,016 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	108,552 sqft (2.49 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	76564
Street Address	434 FREE PATH DR
City	NEBO
State	NC
Zip	28761-6502
Property Category	Other
Property Type	Other > Other Improved
Legal Description	2.492 AC PENDERGRASS SURVEY 10/22/01
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	1
Census Block	1022
Census Tract	970904

Owner

434 Free Path Dr is owned and occupied by two individuals who bought it in April 2026.

Source: McDowell County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	434 FREE PATH DR, NEBO, NC 28761-6502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Sep 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on File
Deed Sale	Apr 16, 2026 · Amount on File
Prior Sale	Dec 16, 2021 · Amount on File
Deed Document Number	20261786
Deed Book / Page	1535 / 247
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 16, 2026
Property Address	434 FREE PATH DR, NEBO, NC 28761-6502
Document Number	0000001786
Book / Page	1535 / 247
Instrument Date	Apr 16, 2026
Instrument	2026.1786
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,296.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 FREE PATH DR, NEBO, NC 28761-6502

Mortgage

Document Number	0000001787,
Date	Apr 16, 2026
Instrument	2026..1787

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 16, 2026
Property Address	434 FREE PATH DR, NEBO, NC 28761-6502
Document Number	0015350247
Book / Page	1535 / 247
Instrument Date	Apr 16, 2026
Instrument	20261786
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,296.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 FREE PATH DR, NEBO, NC 28761-6502

Mortgage

Document Number	0000001787,
Date	Apr 16, 2026
Instrument	20261787

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Dec 16, 2021
Property Address	434 FREE PATH DR, NEBO, NC 28761-6502
Document Number	0013810424
Book / Page	1381 / 424
Instrument Date	Dec 16, 2021
Instrument	2021008101
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	434 FREE PATH DR, NEBO, NC 28761-6502

Mortgage

Document Number	2021008102
Date	Dec 16, 2021
Instrument	2021008102

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	434 FREE PATH DR, NEBO, NC 28761-6502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012550986
Date	Sep 26, 2018
Book Page	1255/0986
Instrument	2018004414

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 434 Free Path Dr was $1,965.

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	$1,965.00	$289,900 Land $43,150 Building $246,750
2023	$1,907.00	$289,900 Land $43,150 Building $246,750	$289,900 Land $43,150 Building $246,750

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

Flood

FEMA maps place 434 Free Path Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 13, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 434 Free Path Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fiber	1,000 / 1,000

May also be available: Optimum, T-Mobile, Verizon.

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