46 Setting Sun Trl, Nebo, NC 28761 Property Records

McDowell County property record for 46 Setting Sun Trl, Nebo, NC 28761

Property Summary

Property Type	Other
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Jun 2024)
Tax Bill	$1,745 (2025)
Deeds & Mortgages	Jun 2025 Construction Loan Jun 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1723-00-99-0080`

Property Details

APN / Parcel Number

Primary APN	`1723-00-99-0080`
Alternative APNs	`69297` `82153`

Exterior

Lot Area	42,689 sqft (0.98 acres)

Location & Zoning

Account Number	82153
Street Address	46 SETTING SUN TRL
City	NEBO
State	NC
Zip	28761-0431
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	0.98 AC LT 115 THE PENINSULA PB28/48
Legal Subdivision	PENINSULA/LK JAMES PH 2
Legal Phase	2
Legal Lot Number	115
Jurisdiction	MCDOWELL NC
Township / Civil Division	NEBO
Census Block Group	2
Census Block	2079
Census Tract	970102

Owner

46 Setting Sun Trl is owned by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1623 CHATHAM AVE, CHARLOTTE, NC 28205-3623
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
Jun 26, 2025	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 18, 2024	Warranty Deed, Transfer
Nov 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2024 · Amount on File
Deed Sale	Jun 18, 2024 · Amount on File
Prior Sale	Nov 28, 2018 · Amount on File
Deed Document Number	0001471711
Deed Book / Page	1471 / 711
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	46 SETTING SUN TRL, NEBO, NC 28761-0431
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1623 CHATHAM AVE, CHARLOTTE, NC 28205-3623

Mortgage

Document Number	0015050306
Date	Jun 26, 2025
Book Page	1505/306
Instrument	2025003034

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.6%
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.6%
Max Rate At Change	8.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.6%

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jun 18, 2024
Property Address	46 SETTING SUN TRL, NEBO, NC 28761-0431
Document Number	0014710711
Book / Page	1471 / 711
Map Reference	MB PL28 PG 48-51
Instrument Date	Jun 10, 2024
Instrument	2024002817
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 999, NEBO, NC 28761-0961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1623 CHATHAM AVE, CHARLOTTE, NC 28205-3623

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 28, 2018
Property Address	SETTING SUN TRL, NEBO, NC 28761
Document Number	0012610324
Book / Page	001261 / 000324
Instrument Date	Nov 27, 2018
Instrument	5482
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1838 YELLOW FORK TRL E NEBO NC 287610234, NEBO, NC 28761-0234

Tax Assessment & Valuation

The 2025 property tax bill for 46 Setting Sun Trl was $1,745.

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	$1,745.00	$250,000 Land $250,000
2023	$1,745.00	$250,000 Land $250,000	$250,000 Land $250,000

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

Flood

FEMA maps place 46 Setting Sun Trl 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 46 Setting Sun Trl 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 93% of the US · lower than 95% 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 21 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

5G (outdoors only) and 4G LTE

Nearby Properties on Setting Sun Trl

Nearby Streets

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