Alexander County property record for 196 Penny Ln, Hickory, NC 28601
| Property Type | Single Family Home |
|---|---|
| Details | 1,050 sqft · built 1989 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Apr 2019) |
| Tax Bill | $933 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0300754 05515 |
| Primary APN | 0300754 05515 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,050 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Lot Area | 26,572 sqft (0.61 acres) |
| Heating System | Heat Pump |
|---|---|
| Water Source | Commercial |
| Account Number | 9341836 |
|---|---|
| Street Address | 196 PENNY LN |
| City | HICKORY |
| State | NC |
| Zip | 28601-9341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20 |
| Legal Description | MAP 3716 SUBMAP 76 BLOCK 4286 (PIN) #20 FIVE OAKS B11B 0104 |
| Legal Subdivision | FIVE OAKS SUBDIVISION |
| Legal Block | 4286 |
| Jurisdiction | ALEXANDER NC |
| Township / Civil Division | WITTENBURG |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 40700 |
196 Penny Ln is owned and occupied by two individuals who bought it in April 2019.
Source: Alexander County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 PENNY LN, HICKORY, NC 28601-9341 |
| 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.
| Date | Document |
|---|---|
| Nov 22, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Sep 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 18, 2019 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2019 · Amount on File |
| Deed Sale | Apr 18, 2019 · Amount on File |
| Deed Book / Page | 616 / 795 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALEXANDER NC |
| Property Address | 196 PENNY LN, HICKORY, NC 28601-9341 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0006580610 |
|---|---|
| Date | Nov 22, 2022 |
| Book Page | 658/610 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALEXANDER NC |
| Property Address | 196 PENNY LN, HICKORY, NC 28601-9341 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0006441021 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | 644/1021 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALEXANDER NC |
| Recording Date | Apr 18, 2019 |
| Property Address | 196 PENNY LN, HICKORY, NC 28601-9341 |
| Document Number | 0006160795 |
| Book / Page | 0616 / 0795 |
| Map Reference | MB 5 PG 10 |
| Instrument Date | Apr 16, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1523 SHEDD RD, 1523, GREEN COVE SPRINGS, FL 32043-9392 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 196 PENNY LN, HICKORY, NC 28601-9341 |
| Document Number | 6160801 |
|---|---|
| Date | Apr 18, 2019 |
| Instrument | 0616/0801 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2026 property tax bill for 196 Penny Ln was $933, down 7.1% from the year before.
Source: Alexander County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Alexander County |
| Unified School District | Alexander County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $933.00 (-7.07%) | $141,450 (-) Land $15,950 Building $125,500 | |
| 2025 | $1,004.00 | $141,450 Land $15,950 Building $125,500 | |
| 2023 | $1,178.00 | $141,450 Land $15,950 Building $125,500 | $141,450 Land $15,950 Building $125,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 Penny Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 23, 2025
| 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 risk around 196 Penny Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FIVE OAKS S/D private · serves 99 people · EPA ID NC0102127 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | ALEXANDER CO WTR DIST |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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