102 Continental Divide Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 102 Continental Divide Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,950 sqft · built 2008
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (May 2020)
Tax Bill	$2,958 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1708-00-27-9452`

Property Details

APN / Parcel Number

Primary APN	`1708-00-27-9452`
Alternative APN	`555782972`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,950 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Wood
Lot Area	32,670 sqft (0.75 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555782972
Street Address	102 CONTINENTAL DIVIDE RD
City	SPRUCE PINE
State	NC
Zip	28777-8567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF SR 1114
Legal Subdivision	APPLE MOUNTAIN DEVELOPMENT
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3032
Census Tract	950400

Owner

Source: Mitchell County records, as of September 8, 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	103 CADDIES CT, SHELBY, NC 28150-9341
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Apr 3, 2017	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Apr 3, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	Dec 2, 2013 · Amount on Record
Deed Document Number	2020687
Deed Book / Page	613 / 90
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	May 1, 2020
Property Address	102 CONTINENTAL DIVIDE RD, SPRUCE PINE, NC 28777-8567
Document Number	613/90
Book / Page	613 / 90
Map Reference	MB 2 PG 145
Instrument Date	Apr 28, 2020
Instrument	2020000687
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 CONTINENTAL DIVIDE RD, 102, SPRUCE PINE, NC 28777-8567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CADDIES CT, SHELBY, NC 28150-9341

Mortgage

Document Number	0000613/94
Date	May 1, 2020
Book Page	613/94
Instrument	2020000688

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2035

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	102 CONTINENTAL DIVIDE RD, SPRUCE PINE, NC 28777-8567
Transaction Type	Mortgage
Record Updated	Apr 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0000578900
Date	Apr 3, 2017
Book Page	578/900

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 3, 2017
Property Address	102 CONTINENTAL DIVIDE RD, SPRUCE PINE, NC 28777-8567
Document Number	578/898
Book / Page	578 / 898
Map Reference	DD 543 PG 433
Instrument Date	Apr 3, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 CONTINENTAL DIVIDE RD, 102, SPRUCE PINE, NC 28777-8567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 CONTINENTAL DIVIDE RD, SPRUCE PINE, NC 28777-8567

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,958.00	$462,200 (-) Land $50,000 Building $412,200
2025	$2,958.00 (+1.61%)	$462,200 (-) Land $50,000 Building $412,200
2023	$2,911.00	$462,200 Land $50,000 Building $412,200	$462,200 Land $50,000 Building $412,200

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 May 2, 2018 · 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
Nearby Flood Policies	2 in force

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	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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