178 Pine Needle Ln, Nebo, NC 28761 Property Records

McDowell County property record for 178 Pine Needle Ln, Nebo, NC 28761

Property Summary

Property Type	Other Improved
Details	1,324 sqft · built 2022
Lot Size	2.24 acres (97,966 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Apr 2021)
Tax Bill	$1,429 (2025)
Deeds & Mortgages	Sep 2021 Construction Loan Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`1730-00-44-2400`

Property Details

APN / Parcel Number

Primary APN	`1730-00-44-2400`
Alternative APN	`74613`

Interior

Stories	1 Story
Building Area	1,324 sqft Total Area
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	97,966 sqft (2.24 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	74613
Street Address	178 PINE NEEDLE LN
City	NEBO
State	NC
Zip	28761-9309
Property Category	Other
Property Type	Other > Other Improved
Legal Description	2.249 AC LOT 16 PINENEEDLE PB 17/23
Legal Subdivision	PINE NEEDLE S/D
Legal Lot Number	16
Jurisdiction	MCDOWELL NC
Township / Civil Division	HIGGINS
Census Block Group	1
Census Block	1036
Census Tract	970904

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
Co-owner	Co-owner on Record
Mailing Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
Apr 7, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 7, 2021 · Amount on Record
Deed Sale	Apr 7, 2021 · Amount on Record
Prior Sale	Jul 31, 2014 · Amount on Record
Deed Document Number	0001348521
Deed Book / Page	1348 / 521
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	178 PINE NEEDLE LN, NEBO, NC 28761-9309
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0013680400
Date	Sep 8, 2021
Book Page	1368/400
Instrument	2021005789

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.62%
Index	Other
Margin	3
Max Rate	8.62%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 7, 2021
Property Address	178 PINE NEEDLE LN, NEBO, NC 28761-9309
Document Number	0013480521
Book / Page	1348 / 521
Map Reference	MB 17 PG 93
Instrument Date	Apr 6, 2021
Instrument	2021002207
Transaction Type	Transfer
Record Updated	Dec 21, 2023

Transaction

Amount	Amount Recorded
Tax	$76.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	502 CREEK VIEW DR, HINESVILLE, GA 31313-3313

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	170 PINE NEEDLE LN, NEBO, NC 28761-9309

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	$1,429.00 (+3.03%)	$210,910 (-) Land $30,000 Building $180,910
2023	$1,387.00 (+942.86%)	$210,910 (+954.55%) Land $30,000 Building $180,910	$210,910 (+954.55%) Land $30,000 Building $180,910
2022	$133.00	$20,000 Land $20,000	$20,000 Land $20,000

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

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

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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