Transylvania County property record for 725 Spanish Oak Dr, Cedar Mountain, NC 28718
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,859 sqft · built 1994 |
| Lot Size | 9.85 acres (429,066 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,517 (2026) |
| Deeds & Mortgages | Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9523-10-6386-000 |
| Primary APN | 9523-10-6386-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 4,859 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Shingles |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 429,066 sqft (9.85 acres) |
| View / Lot | Waterfront |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 18879500 |
|---|---|
| Street Address | 725 SPANISH OAK DR |
| City | CEDAR MOUNTAIN |
| State | NC |
| Zip | 28718-9035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR-A REASONOVER RD |
| Legal Tract | A |
| Jurisdiction | TRANSYLVANIA NC |
| Township / Civil Division | LITTLE RIVER |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 960404 |
Source: Transylvania County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 725 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 10, 2008 |
| Transfer Doc | 0004800417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TRANSYLVANIA NC |
| Property Address | 725 SPANISH OAK DR, CEDAR MOUNTAIN, NC 28718-9035 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0008840456 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 884/456 |
| Instrument | 2019003171 |
| Name | NORTH STATE BANK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27609 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 15, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Transylvania County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Transylvania County |
| Unified School District | Transylvania County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,517.00 | $1,564,570 (-) Land $243,370 Building $1,321,200 | $1,564,570 (-) Land $243,370 Building $1,321,200 |
| 2025 | $7,517.00 (+76.79%) | $1,564,570 (+142.22%) Land $243,370 Building $1,321,200 | $1,564,570 (+142.22%) Land $243,370 Building $1,321,200 |
| 2023 | $4,252.00 | $645,940 Land $152,920 Building $493,020 | $645,940 Land $152,920 Building $493,020 |
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 June 26, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (2024) |
| 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 | 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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
| Comporium DSL · Fiber in parts of the area | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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