170 Pine Needle Ln, Nebo, NC 28761 Property Records

McDowell County property record for 170 Pine Needle Ln, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	5 bd · 2.5 ba · 2,460 sqft · built 2004
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Nov 2020)
Tax Bill	$1,555 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1730-00-44-3385`

Property Details

APN / Parcel Number

Primary APN	`1730-00-44-3385`
Alternative APNs	`73726` `77749`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,460 sqft Heated Area
Gross Area	2,660 sqft
1st Floor Area	1,620 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	98,010 sqft (2.25 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	77749
Street Address	170 PINE NEEDLE LN
City	NEBO
State	NC
Zip	28761-9309
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	2.249 AC LT 17 PINE NEEDLES PB17/23
Legal Subdivision	PINE NEEDLES SD
Legal Lot Number	17
Jurisdiction	MCDOWELL NC
Township / Civil Division	HIGGINS
Census Block Group	1
Census Block	1036
Census Tract	970904

Owner

170 Pine Needle Ln, a rural home, is owned and occupied by two individuals who acquired it in June 2022.

Source: McDowell County records, as of December 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309
Occupancy	Owner Occupied
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
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jun 13, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage BAY EQUITY LLC
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Jun 26, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on File
Deed Sale	Nov 20, 2020 · Amount on File
Prior Sale	Jun 26, 2020 · Amount on File
Deed Document Number	20206182
Deed Book / Page	1330 / 874
Last Transfer Date	Jun 8, 2022
Transfer Doc	0014020894
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309

Mortgage

Document Number	0015220017
Date	Dec 1, 2025
Book Page	1522/17
Instrument	2025005973

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Jun 13, 2022
Property Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309
Document Number	0014020894
Book / Page	1402 / 894
Map Reference	MB 17 PG 23
Instrument Date	Jun 8, 2022
Instrument	2022003614
Transaction Type	Transfer
Record Updated	Jun 24, 2022

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	170 PINE NEEDLE LN, NEBO, NC 28761-9309

Mortgage

Document Number	2022003615
Date	Jun 13, 2022
Instrument	2022003615

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 20, 2020
Property Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309
Document Number	0013300874
Book / Page	1330 / 874
Map Reference	MB 17 PG 23
Instrument Date	Nov 20, 2020
Instrument	2020006182
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	$536.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309

Mortgage

Document Number	2020006183
Date	Nov 20, 2020
Instrument	2020006183

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jun 26, 2020
Property Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309
Document Number	0013130446
Book / Page	001313 / 000446
Instrument Date	Jun 26, 2020
Instrument	3041
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$243.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 PARKER JAMISON LN RUTHERFORDTON NC 281399331, RUTHERFORDTON, NC 28139-9331

Tax Assessment & Valuation

The 2025 property tax bill for 170 Pine Needle Ln was $1,555.

Source: McDowell County assessment roll, as of September 30, 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	$1,555.00	$229,440 Land $18,000 Building $211,440
2023	$1,509.00	$229,440 Land $18,000 Building $211,440	$229,440 Land $18,000 Building $211,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 170 Pine Needle Ln 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 170 Pine Needle Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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	0.05% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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