86 Summer Downs, Bakersville, NC 28705 Property Records

Mitchell County property record for 86 Summer Downs, Bakersville, NC 28705

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1976
Lot Size	0.53 acres (23,087 sqft)
Owner	Trust Name on Record
Last Sale	$120,000 (Oct 2019)
Tax Bill	$961 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`0871-00-94-2903`

Property Details

APN / Parcel Number

Primary APN	`0871-00-94-2903`
Alternative APN	`555782879`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	23,087 sqft (0.53 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	555782879
Street Address	86 SUMMER DOWNS
City	BAKERSVILLE
State	NC
Zip	28705-7342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1165
Jurisdiction	MITCHELL NC
Township / Civil Division	SNOW CREEK
Census Block Group	1
Census Block	1045
Census Tract	950300

Owner

Source: Mitchell County records, as of October 17, 2025

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

Owner of Record	Trust Name on Record
Mailing Address	72 PARKWOOD HILLS HTS, SPRUCE PINE, NC 28777-8811
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2019	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK
Sep 9, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2019 · Amount on Record
Deed Sale	Oct 23, 2019 · Amount on Record
Prior Sale	Jun 27, 2014 · Amount on Record
Deed Document Number	20191904
Deed Book / Page	606 / 947
Prior Transfer Date	Jun 20, 2019
Prior Transfer Doc	000617/484
Record Updated	Sep 20, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Oct 23, 2019
Property Address	86 SUMMER DOWNS, BAKERSVILLE, NC 28705-7342
Document Number	000606/947
Book / Page	606 / 947
Instrument Date	Oct 15, 2019
Instrument	2019001904
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 307, SPRUCE PINE, NC 28777-0307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 PARKWOOD HILLS HTS, SPRUCE PINE, NC 28777-8811

Mortgage

Document Number	000607/001
Date	Oct 23, 2019
Book Page	607/001
Instrument	2019001905

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Sep 9, 2020
Property Address	86 SUMMER DOWNS, BAKERSVILLE, NC 28705-7342
Document Number	000617/484
Book / Page	617 / 484
Instrument Date	Jun 20, 2019
Instrument	2020001576
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 307, SPRUCE PINE, NC 28777-0307

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$961.00 (+1.59%)	$150,200 (-) Land $19,300 Building $130,900
2023	$946.00	$150,200 Land $19,300 Building $130,900	$150,200 Land $19,300 Building $130,900

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 May 2, 2018 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

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

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable · Fiber in parts of the area	400 / 24
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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