52 White Pine Ln, Nebo, NC 28761 Property Records

McDowell County property record for 52 White Pine Ln, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,248 sqft · built 1994
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Nov 2018)
Tax Bill	$2,737 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1733-00-51-1024`

Property Details

APN / Parcel Number

Primary APN	`1733-00-51-1024`
Alternative APN	`27906`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,248 sqft Heated Area
Gross Area	4,239 sqft
1st Floor Area	2,248 sqft
Basement Area	714 sqft
Finished Basement	714 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	27906
Street Address	52 WHITE PINE LN
City	NEBO
State	NC
Zip	28761-9562
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LT 7&8 LAKE CLUB HGHTSS/D DB369/61
Legal Subdivision	LAKE CLUB HGHTSSD
Legal Lot Number	7-8
Jurisdiction	MCDOWELL NC
Township / Civil Division	NEBO
Census Block Group	1
Census Block	1052
Census Tract	970200

Owner

Source: McDowell County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	52 WHITE PINE LN, NEBO, NC 28761-9562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Nov 19, 2018	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2018 · Amount on Record
Deed Sale	Nov 19, 2018 · Amount on Record
Prior Sale	Mar 1, 1994
Deed Document Number	20185362
Deed Book / Page	1260 / 767
Prior Transfer Date	Apr 6, 2009
Prior Transfer Doc	0009900215
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	52 WHITE PINE LN, NEBO, NC 28761-9562
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014050156
Date	Jul 1, 2022
Book Page	1405/156
Instrument	2022004009

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	MARION, NC 28752

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	52 WHITE PINE LN, NEBO, NC 28761-9562
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013690026
Date	Sep 15, 2021
Book Page	1369/26
Instrument	2021005927

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 19, 2018
Property Address	52 WHITE PINE LN, NEBO, NC 28761-9562
Document Number	0012600767
Book / Page	1260 / 0767
Map Reference	MB 4 PG 65
Instrument Date	Nov 19, 2018
Instrument	2018005362
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 WHITE PINE LN, NEBO, NC 28761-9562

Mortgage

Document Number	2018005363
Date	Nov 19, 2018
Instrument	2018005363

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 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	$2,737.00	$409,770 (-) Land $60,000 Building $349,770
2023	$2,737.00	$409,770 Land $60,000 Building $349,770	$409,770 Land $60,000 Building $349,770

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 100 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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