4832 Windy Ridge Rd, Morganton, NC 28655 Property Records

McDowell County property record for 4832 Windy Ridge Rd, Morganton, NC 28655

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,920 sqft · built 2018
Lot Size	4.34 acres (189,050 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Dec 2025)
Tax Bill	$1,942 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1659-00-48-5858`

Property Details

APN / Parcel Number

Primary APN	`1659-00-48-5858`
Alternative APNs	`67388` `81688`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,920 sqft Heated Area
Gross Area	1,948 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	189,050 sqft (4.34 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	81688
Street Address	4832 WINDY RIDGE RD
City	MORGANTON
State	NC
Zip	28655-7779
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	4.344 AC LOT 2A PER PB 16/14
Legal Lot Number	2A
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	2
Census Block	2001
Census Tract	970904

Owner

Source: McDowell County records, as of December 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4832 WINDY RIDGE RD, MORGANTON, NC 28655-7779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Mar 12, 2024	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Mar 12, 2024 · Amount on Record
Deed Document Number	2025006157
Deed Book / Page	1522 / 933
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Dec 11, 2025
Property Address	4832 WINDY RIDGE RD, MORGANTON, NC 28655-7779
Document Number	0015220933
Book / Page	1522 / 933
Map Reference	MB 16 PG 14
Instrument Date	Dec 11, 2025
Instrument	2025006157
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1928 LAKE TAHOMA RD, MARION, NC 28752-6206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4832 WINDY RIDGE RD, MORGANTON, NC 28655-7779

Mortgage

Document Number	2025006158
Date	Dec 11, 2025
Instrument	2025006158

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Mar 12, 2024
Property Address	4832 WINDY RIDGE RD, NEBO, NC 28761
Document Number	0014620356
Book / Page	1462 / 356
Map Reference	MB 16 PG 14
Instrument Date	Mar 7, 2024
Instrument	2024001129
Transaction Type	Transfer
Record Updated	Mar 28, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4832 WINDY RIDGE RD, MORGANTON, NC 28655-7779

Mortgage

Document Number	2024001130
Date	Mar 12, 2024
Instrument	2024001130

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	4832 WINDY RIDGE RD, NEBO, NC 28761
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012540817
Date	Sep 13, 2018
Book Page	1254/0817
Instrument	2018004201

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	4832 WINDY RIDGE RD, NEBO, NC 28761
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013180517
Date	Aug 11, 2020
Book Page	1318/517
Instrument	2020003934

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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	$1,942.00 (+3.08%)	$286,450 (-) Land $28,000 Building $258,450
2023	$1,884.00	$286,450 Land $28,000 Building $258,450	$286,450 Land $28,000 Building $258,450

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

Flood

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

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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