8681 Ridgeline Rd, Nebo, NC 28761 Property Records

McDowell County property record for 8681 Ridgeline Rd, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,956 sqft · built 2023
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$53,000 (Nov 2020)
Tax Bill	$3,127 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1724-00-87-8450`

Property Details

APN / Parcel Number

Primary APN	`1724-00-87-8450`
Alternative APN	`73692`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,956 sqft Heated Area
Basement Area	936 sqft
Finished Basement	936 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	44,867 sqft (1.03 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	73692
Street Address	8681 RIDGELINE RD
City	NEBO
State	NC
Zip	28761-0445
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	1.03 AC LOT 24 PISGAH PRESERVE PB 12 PG 15
Legal Subdivision	PISGAH PRESERVE/LK JAMES PH I
Legal Phase	1
Legal Lot Number	24
Jurisdiction	MCDOWELL NC
Township / Civil Division	NEBO
Census Block Group	2
Census Block	2075
Census Tract	970102

Owner

Source: McDowell County records, as of September 29, 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	11932 RADNER WAY, RALEIGH, NC 27613-5501
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 29, 2022	Deed of Trust, Mortgage · Construction Mortgage MORGANTON SAVINGS BANK SSB
Jul 20, 2022	Re-recorded Document · Construction Mortgage MORGANTON SAVINGS BANK SSB
Nov 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	Dec 15, 2011 · Amount on Record
Deed Document Number	0001330372
Deed Book / Page	1330 / 372
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	8681 RIDGELINE RD, NEBO, NC 28761-0445
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11932 RADNER WAY, RALEIGH, NC 27613-5501
Investor	Possibly a Property Investor

Mortgage

Document Number	0014620678
Date	Mar 15, 2024
Book Page	1462/678
Instrument	2024001187

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2029
Change Frequency	5 Years
Min Rate At Change	4%
Max Rate At Change	8%
Index	5-Year TN
Max Rate	12%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	8681 RIDGELINE RD, NEBO, NC 28761
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11932 RADNER WAY, RALEIGH, NC 27613-5501
Investor	Possibly a Property Investor

Mortgage

Document Number	0014080364
Date	Jul 29, 2022
Book Page	1408/364
Instrument	2022004608

Lender

Name	MORGANTON SAVINGS BANK SSB
Type	Bank
Address	MORGANTON, NC 28680

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2023

July 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MCDOWELL NC
Recording Date	Jul 20, 2022
Property Address	8681 RIDGELINE RD, NEBO, NC 28761-0445
Document Number	0014070062
Book / Page	1407 / 62
Map Reference	MB 12 PG 3
Instrument Date	Jul 20, 2022
Instrument	2022004380
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8064 FAIRMONT DR, WILLIAMSBURG, VA 23188-7077

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11932 RADNER WAY, RALEIGH, NC 27613-5501
Investor	Possibly a Property Investor

Mortgage

Document Number	2022004608
Date	Jul 20, 2022
Instrument	2022004608

Lender

Name	MORGANTON SAVINGS BANK SSB
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2023

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 16, 2020
Property Address	8681 RIDGELINE RD, NEBO, NC 28761
Document Number	0013300372
Book / Page	001330 / 000372
Instrument Date	Nov 9, 2020
Instrument	6087
Transaction Type	Transfer
Record Updated	Nov 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$106.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11932 RADNER WAY RALEIGH NC 276135501, RALEIGH, NC 27613-5501

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	$3,127.00 (+658.98%)	$454,860 (+658.1%) Land $60,000 Building $394,860
2023	$412.00 (+7.57%)	$60,000 (+9.09%) Land $60,000	$454,860 (+727.02%) Land $60,000 Building $394,860
2022	$383.00	$55,000 Land $55,000	$55,000 Land $55,000

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 · 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (2020–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims

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 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.08% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

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

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