McDowell County property record for 655 Harborside Dr, Nebo, NC 28761
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,720 sqft · built 2005 |
| Lot Size | 8.57 acres (373,309 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jan 2004) |
| Tax Bill | $3,388 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1723-00-16-4397 |
| Primary APN | 1723-00-16-4397 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,720 sqft Heated Area |
| Gross Area | 2,620 sqft |
| 1st Floor Area | 1,720 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 373,309 sqft (8.57 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 59542 |
|---|---|
| Street Address | 655 HARBORSIDE DR |
| City | NEBO |
| State | NC |
| Zip | 28761-0013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 1.37 AC LT 240(LT240&241) THE ARBORPB9/27 |
| Legal Subdivision | THE ARBOR S/D |
| Legal Lot Number | 240-241 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | NEBO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 970200 |
Source: McDowell County records, as of December 2, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 655 HARBORSIDE DR, NEBO, NC 28761-0013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 2004 · Amount on Record |
| Deed Sale | Jan 1, 2004 · Amount on Record |
| Deed Book / Page | 766 / 362 |
| Last Transfer Date | Nov 10, 2014 |
| Transfer Doc | 0011400964 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 655 HARBORSIDE DR, NEBO, NC 28761-0013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013380544 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 1338/544 |
| Instrument | 2021000470 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Feb 1, 2045 |
Source: McDowell County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,388.00 (+17.35%) | $507,300 (+17.35%) Land $175,000 Building $332,300 | |
| 2023 | $2,887.00 | $432,300 Land $100,000 Building $332,300 | $507,300 Land $175,000 Building $332,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 12 (1994–2024) |
| Claims Outside the SFHA | 7 of 12 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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