5 White Pine Ln, Nebo, NC 28761 Property Records

McDowell County property record for 5 White Pine Ln, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,760 sqft · built 1989
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Mar 2022)
Tax Bill	$2,108 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1733-00-50-3686`

Property Details

APN / Parcel Number

Primary APN	`1733-00-50-3686`
Alternative APNs	`69420` `77091`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,760 sqft Heated Area
Gross Area	3,088 sqft
Basement Area	1,328 sqft
Finished Basement	1,328 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Garage Area	960 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	77091
Street Address	5 WHITE PINE LN
City	NEBO
State	NC
Zip	28761-9562
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0.53 AC LOT 11 LAKE CLUB HTS PB4/65
Legal Subdivision	LAKE CLUBHEIGHTS
Legal Lot Number	11
Jurisdiction	MCDOWELL NC
Township / Civil Division	NEBO
Census Block Group	1
Census Block	1052
Census Tract	970200

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	Individual Name on Record
Mailing Address	5 WHITE PINE LN, NEBO, NC 28761-9562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 28, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	0001391646
Deed Book / Page	1391 / 646
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Mar 15, 2022
Property Address	5 WHITE PINES DR, NEBO, NC 28761-7861
Document Number	0013910646
Book / Page	1391 / 646
Map Reference	MB 4 PG 65
Instrument Date	Mar 15, 2022
Instrument	2022001562
Transaction Type	Transfer
Record Updated	Mar 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 WHITE PINE LN, NEBO, NC 28761-9562

Mortgage

Document Number	2022001563
Date	Mar 15, 2022
Instrument	2022001563

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Dec 28, 2018
Property Address	5 WHITE PINES DR, NEBO, NC 28761-7861
Document Number	0012630754
Book / Page	1263 / 0754
Map Reference	MB 4 PG 65
Instrument Date	Dec 28, 2018
Instrument	2018005956
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$524.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 WHITE PINE LN, NEBO, NC 28761-9562

Mortgage

Document Number	2018005957
Date	Dec 28, 2018
Instrument	2018005957

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

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	$2,108.00	$315,580 (-) Land $35,000 Building $280,580
2023	$2,108.00	$315,580 Land $35,000 Building $280,580	$315,580 Land $35,000 Building $280,580

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 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	12 (1994–2024)
Claims Outside the SFHA	7 of 12
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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 62% of the US · above 54% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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