Avery County property record for 97 Summit Ln, Newland, NC 28657
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 2 ba · 2,314 sqft · built 1982 |
| Owner | Individual Name on Record |
| Tax Bill | $936 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Jan 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 83382 |
| Primary APN | 83382 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,314 sqft Heated Area |
| Basement Area | 872 sqft |
| Finished Basement | 872 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 83382 |
|---|---|
| Street Address | 97 SUMMIT LN |
| City | NEWLAND |
| State | NC |
| Zip | 28657 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | LH MTN VIEW 032 PLAT 4-65 |
| Legal Subdivision | LH MTN VIEW |
| Jurisdiction | AVERY NC |
| Township / Civil Division | PINEOLA |
| Census Block Group | 3 |
| Census Block | 3077 |
| Census Tract | 930200 |
Source: Avery County records, as of December 3, 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 | 2841 MANORCREST CT APT 211, 211, RALEIGH, NC 27609-8706 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 7, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2003 |
| Deed Sale | Jul 28, 2003 |
| Deed Document Number | 0003683104 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 97 SUMMIT LN, NEWLAND, NC 28657 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006269 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | 583/1024 |
| Instrument | 2022006269 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 97 SUMMIT LN, NEWLAND, NC 28657 |
| Document Number | 0005281188 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 97 SUMMIT LN NEWLAND NC 28657, NEWLAND, NC 28657 |
| Document Number | 0005281188 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 000528/001188 |
| Instrument | 496 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $936.00 | $234,200 (-) Land $30,000 Building $204,200 | $234,200 (-) Land $30,000 Building $204,200 |
| 2023 | $936.00 | $234,200 Land $30,000 Building $204,200 | $234,200 Land $30,000 Building $204,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LINVILLE LAND HARBOR private · serves 2,280 people · EPA ID NC0106104 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 4 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 383 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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