196 Conifer Dr, Whittier, NC 28789 Property Records

Jackson County property record for 196 Conifer Dr, Whittier, NC 28789

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 704 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$209,000 (May 2022)
Tax Bill	$903 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7604-40-0162`

Property Details

APN / Parcel Number

Primary APN	`7604-40-0162`
Alternative APN	`27152`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	704 sqft Heated Area
1st Floor Area	384 sqft
Upper Floors Area	320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Porch	Slab
Porch Area	224 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	196 CONIFER DR
City	WHITTIER
State	NC
Zip	28789-6150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 13A WHITTIER HGTS
Legal Subdivision	BUD BOYNTON WHITTIER HEIGHTS
Legal Lot Number	13A
Jurisdiction	JACKSON NC
Township / Civil Division	QUALLA
Census Block Group	2
Census Block	2020
Census Tract	940200

Owner

196 Conifer Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	196 CONIFER DR, WHITTIER, NC 28789-6150
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
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HOME LOANS LLC
Jan 12, 2021	Warranty Deed, Transfer · Construction Mortgage KEITH R & ELAINE R LOFTIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022 · Amount on File
Deed Sale	May 10, 2022 · Amount on File
Prior Sale	Jan 12, 2021 · Amount on File
Deed Book / Page	2334 / 438
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 10, 2022
Property Address	196 CONIFER DR, WHITTIER, NC 28789-6150
Document Number	0023340438
Book / Page	2334 / 438
Map Reference	CAB 16 SL 458
Instrument Date	Apr 29, 2022
Transaction Type	Transfer
Record Updated	May 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 13, DUNLAP, CA 93621-0013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CONIFER DR, WHITTIER, NC 28789-6150

Mortgage

Document Number	0002334444
Date	May 10, 2022
Instrument	2334/444

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	196 CONIFER DR, WHITTIER, NC 28789-6150
Transaction Type	Mortgage
Record Updated	Apr 14, 2022
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023301179
Date	Mar 29, 2022
Book Page	2330/1179

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jan 12, 2021
Property Address	196 CONIFER DR, WHITTIER, NC 28789-6150
Document Number	0022890696
Book / Page	002289 / 000696
Instrument Date	Jan 7, 2021
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 13 DUNLAP CA 936210013, DUNLAP, CA 93621-0013

Mortgage

Document Number	22890895
Date	Jan 12, 2021
Book Page	002289/000895

Lender

Name	KEITH R & ELAINE R LOFTIS
Address	10913 BERNADINE AVE, CLOVIS, CA 93619-5222

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 11, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 196 Conifer Dr was $903.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$239,609 Land $26,670 Building $212,939
2025	$903.00
2023	$497.00	$130,830 Land $27,500 Building $103,330

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 196 Conifer Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · 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	3 in force
Nearby Flood Claims	2 (1998–2003)
Most Recent Claim	May 2003 · river or lake flooding

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

Wildfire risk around 196 Conifer Dr is moderate, ranking above 54% of the US, with a 0.1% annual chance of 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	45 / 3

May also be available: AT&T, BalsamWest FiberNET, Spectrum, T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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