487 Locust Rd, Newland, NC 28657 Property Records

Avery County property record for 487 Locust Rd, Newland, NC 28657

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 502 sqft · built 1990
Lot Size	0.109 acres (4,765 sqft)
Owner	Individual Name on Record
Tax Bill	$458 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1844-05-08-8159-00000`

Property Details

APN / Parcel Number

Primary APN	`1844-05-08-8159-00000`
Alternative APN	`65974`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	502 sqft Living Area
Gross Area	614 sqft
1st Floor Area	502 sqft
Basement Area	112 sqft
Flooring	Carpet
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	4,765 sqft (0.109 acres)
View / Lot	Drainage

Exterior Amenities

Porch	Open Porch
Porch Area	300 sqft
Deck Area	109 sqft
Patio Area	109 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	65974
Street Address	487 LOCUST RD
City	NEWLAND
State	NC
Zip	28657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NULL
Legal Description	LOT 252 251 253 COMBINED
Legal Subdivision	LH LAUREL HILLS
Legal Lot Number	252
Jurisdiction	AVERY NC
Township / Civil Division	PINEOLA
Census Block Group	3
Census Block	3061
Census Tract	930200

Owner

Source: Avery County records, as of September 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3250 LAND HBR, NEWLAND, NC 28657-7945
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Aug 22, 2024	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
May 21, 2018	Deed of Trust, Mortgage · Line of Credit HIGHLANDS UNION BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2016
Deed Sale	Mar 17, 2016
Deed Document Number	2016766
Deed Book / Page	498 / 1362
Prior Transfer Date	Mar 10, 2016
Prior Transfer Doc	0000000766
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Recording Date	Sep 17, 2026
Property Address	487 LOCUST RD, NEWLAND, NC 28657
Document Number	0000003892
Book / Page	623 / 2450
Instrument Date	Aug 21, 2026
Instrument	20263892
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003892,
Date	Sep 17, 2026
Book Page	623/2450
Instrument	20263892

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 25, 2051

Interest

Max Rate	-1%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	487 LOCUST RD, NEWLAND, NC 28657
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003661
Date	Aug 22, 2024
Book Page	602/594
Instrument	2024003661

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	200 LINVILLE ST, NEWLAND, NC 28657

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 4, 2049

Interest

Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	487 LOCUST RD, NEWLAND, NC 28657
Document Number	0005212011
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 4, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	487 LOCUST RD NEWLAND NC 28657, NEWLAND, NC 28657

Mortgage

Document Number	0005212011
Date	Jun 21, 2018
Book Page	000521/002011
Instrument	3465

Lender

Name	HIGHLANDS UNION BK
Type	Bank
Address	ABINGDON, VA 24210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$458.00 (+27.93%)	$114,500 (+27.93%) Land $35,000 Building $79,500	$114,500 (+27.93%) Land $35,000 Building $79,500
2023	$358.00	$89,500 Land $10,000 Building $79,500	$89,500 Land $10,000 Building $79,500

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 January 9, 2025 · 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 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	116 (1989–2024)
Claims Outside the SFHA	22 of 116
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 49 claims Hurricane Ivan, Sep 2004 · 22 claims Tropical Storm Frances, Sep 2004 · 19 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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile.

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