173 Penny Ln, Deep Gap, NC 28618 Property Records

Watauga County property record for 173 Penny Ln, Deep Gap, NC 28618

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,800 sqft · built 1982
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Tax Bill	$1,125 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2859-71-0540-000`

Property Details

APN / Parcel Number

Primary APN	`2859-71-0540-000`
Alternative APN	`1807497`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
1st Floor Area	600 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Patio Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	1807497
Street Address	173 PENNY LN
City	DEEP GAP
State	NC
Zip	28618-9357
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 42 BRIGHT PENNY FOREST
Legal Subdivision	BRIGHT PENNY FOREST
Legal Lot Number	42
Legal Unit	42
Jurisdiction	WATAUGA NC
Township / Civil Division	ELK
Census Block Group	1
Census Block	1052
Census Tract	920702

Owner

Source: Watauga County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1804 LATTAL CT, LENOIR, NC 28645-8703
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 16, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Mar 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 10, 2019
Transfer Doc	0020430075
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	173 PENNY LN, DEEP GAP, NC 28618
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021660767
Date	Feb 16, 2021
Book Page	2166/767
Instrument	702328

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 16, 2019
Property Address	173 PENNY LN, DEEP GAP, NC 28618
Document Number	0020430075
Book / Page	002043 / 000075
Instrument Date	Jun 10, 2019
Instrument	681676
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 PENNY LN DEEP GAP NC 28618, DEEP GAP, NC 28618

Mortgage

Document Number	20430078
Date	Aug 16, 2019
Book Page	002043/000078
Instrument	681677

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2029

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	173 PENNY LN, DEEP GAP, NC 28618
Document Number	0019060772
Book / Page	001906 / 000772
Instrument Date	Mar 1, 2017
Transaction Type	Mortgage
Record Updated	May 3, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	73 PENNY LN DEEP GAP NC 28618, DEEP GAP, NC 28618

Mortgage

Document Number	0019060772
Date	Mar 1, 2017
Book Page	001906/000772
Instrument	656098

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	302 W MARKET ST, GREENSBORO, NC 27401-6132

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$250,700 (-) Land $15,700 Building $235,000
2025	$1,125.00 (+1.08%)	$250,700 (-) Land $15,700 Building $235,000
2024	$1,113.00		$250,700 Land $15,700 Building $235,000
2023		$250,700 Land $15,700 Building $235,000

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 May 17, 2024 · 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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POWDER HORN MOUNTAIN private · serves 548 people · EPA ID NC0195122
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

No cell data coverage reported

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