50 Saddle Ridge Dr, Nebo, NC 28761 Property Records

McDowell County property record for 50 Saddle Ridge Dr, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,470 sqft · built 2018
Lot Size	0.919 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$214,500 (Oct 2018)
Tax Bill	$2,513 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1750-00-03-7146`

Property Details

APN / Parcel Number

Primary APN	`1750-00-03-7146`
Alternative APN	`68930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,470 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.919 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	68930
Street Address	50 SADDLE RIDGE DR
City	NEBO
State	NC
Zip	28761-9312
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0.92 AC LOT 1 SADDLE RIDGE S/D PB 12 PG 18
Legal Subdivision	SADDLE RIDGE S/D
Legal Lot Number	1
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	2
Census Block	2009
Census Tract	970901

Owner

50 Saddle Ridge Dr, a rural home, is owned by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 21, NEBO, NC 28761-0018
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
Jan 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 31, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Prior Sale	Apr 30, 2008 · Amount on File
Deed Document Number	0001259353
Deed Book / Page	1259 / 353
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	50 SADDLE RIDGE DR, NEBO, NC 28761-9312
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	IDEAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 SADDLE RIDGE DR, NEBO, NC 28761

Mortgage

Document Number	0015260728
Date	Jan 21, 2026
Book Page	1526/728
Instrument	2026000283

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	50 SADDLE RIDGE DR, NEBO, NC 28761-9312
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014160324
Date	Oct 14, 2022
Book Page	1416/324
Instrument	2022006078

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	50 SADDLE RIDGE DR, NEBO, NC 28761-9312
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013480676
Date	Apr 8, 2021
Book Page	1348/676
Instrument	2021002243

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	50 SADDLE RIDGE DR, NEBO, NC 28761-9312
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 SADDLE RIDGE DR, NEBO, NC 28761-9312

Mortgage

Document Number	0014840736
Date	Nov 12, 2024
Book Page	1484/736
Instrument	2024005162

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 31, 2018
Property Address	MUDDY CREEK RD, NEBO, NC 28761
Document Number	0012590353
Book / Page	1259 / 0353
Map Reference	MB 12 PG 18
Instrument Date	Oct 29, 2018
Instrument	2018005061
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	438 WATERGLYN WAY, 438, NEBO, NC 28761-6714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 SADDLE RIDGE DR, NEBO, NC 28761-9312

Mortgage

Document Number	2018005063
Date	Oct 31, 2018
Instrument	2018005063

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 50 Saddle Ridge Dr was $2,513.

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	$2,513.00	$370,750 Land $35,000 Building $335,750
2023	$230.00	$35,000 Land $35,000	$370,750 Land $35,000 Building $335,750

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 50 Saddle Ridge 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 50 Saddle Ridge Dr 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 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 19 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

May also be available: Optimum.

Cell Coverage

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

Nearby Properties on Saddle Ridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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