197 Michaels Gap Ln, Hickory, NC 28601 Property Records

Alexander County property record for 197 Michaels Gap Ln, Hickory, NC 28601

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,357 sqft · built 2010
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Apr 2022)
Tax Bill	$3,307 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0303696 05795`

Property Details

APN / Parcel Number

Primary APN	`0303696 05795`
Alternative APNs	`9336195` `9345752` `5795`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,357 sqft Living Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2015
Architectural Style	Conventional
Lot Area	16,988 sqft (0.39 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	9345752
Street Address	197 MICHAELS GAP LN
City	HICKORY
State	NC
Zip	28601-8560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	MAP 3705 SUBMAP 87 BLOCK 6284 (PIN) OFF SR 1280 LOT 2 0000 00 X 00 A-12 0364
Legal Subdivision	THE CS ADKINS PROPERTY
Legal Block	6284
Legal Lot Number	2
Jurisdiction	ALEXANDER NC
Township / Civil Division	WITTENBURG
Census Block Group	3
Census Block	3019
Census Tract	40700

Owner

197 Michaels Gap Ln is owned by two individuals who bought it in April 2022.

Source: Alexander County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3131 MILHAVEN LAKE DR, WINSTON SALEM, NC 27106-6392
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
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CERTAINTY HOME LOANS LLC
Apr 8, 2022	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Dec 19, 2018	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Prior Sale	Dec 5, 2014 · Amount on File
Deed Book / Page	651 / 1211
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALEXANDER NC
Property Address	197 MICHAELS GAP LN, HICKORY, NC 28601-8560
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006321631
Date	Oct 30, 2020
Book Page	632/1631

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

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

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALEXANDER NC
Recording Date	Apr 8, 2022
Property Address	197 MICHAELS GAP LN, HICKORY, NC 28601-8560
Document Number	0006511211
Book / Page	651 / 1211
Map Reference	MB 2 PG 54-A
Instrument Date	Apr 7, 2022
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9210 TULLAMORE LN, 9210, LEWISVILLE, NC 27023-9868

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3131 MILHAVEN LAKE DR, WINSTON SALEM, NC 27106-6392

Mortgage

Document Number	0006511214
Date	Apr 8, 2022
Instrument	651/1214

Lender

Name	RENASANT BANK
Type	Bank

Agreement

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

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALEXANDER NC
Property Address	197 MICHAELS GAP LN, HICKORY, NC 28601-8560
Document Number	0006131981
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 MICHAELS GAP LN HICKORY NC 28601, HICKORY, NC 28601

Mortgage

Document Number	0006131981
Date	Jan 3, 2019
Book Page	000613/001981

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	WINSTON SALEM, NC 27114-6043

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 197 Michaels Gap Ln was $3,307, up 1.3% from the year before.

Source: Alexander County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,307.00 (+1.29%)	$477,242 (+3.76%) Land $168,640 Building $308,602
2025	$3,265.00	$459,966 Land $168,640 Building $291,326
2023	$3,831.00	$459,966 Land $168,640 Building $291,326	$477,242 Land $168,640 Building $308,602

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

Flood

FEMA maps place 197 Michaels Gap Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	May 2013 · rainfall accumulation

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 197 Michaels Gap Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	ALEXANDER CO WTR DIST serves 13,064 people · EPA ID NC0102020
Water Source	Purchased surface water from CITY OF HICKORY
Last State Inspection	Apr 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 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

May also be available: Skyline Telephone.

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