102 Phillips Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 102 Phillips Rd, Spruce Pine, NC 28777 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1962
Square Footage	1,500 sqft Living Area
Lot Size	26,136 sqft (0.6 acres)
Occupancy	Owner Occupied
Tax Bill	$973.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`1800-01-35-7921`
Alternative APN	`005018353`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,500 sqft Living Area
Basement Area	1,500 sqft Basement
Unfinished Basement	1,500 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood Construction
Foundation Type	No Foundation Foundation
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	26,136 sqft (0.6 acres)

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Account Number	005018353
Street Address	102 PHILLIPS RD
City	SPRUCE PINE
State	NC
Zip	28777-6004
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ON SR 1132
Legal Subdivision	GRASSY CREEK TOWNSHIP
Jurisdiction	MITCHELL NC
Minor Civil Division	GRASSY CREEK
Census Blockgroup	2
Census Block	2006
Census Tract	950300

Owner

Source: Mitchell County records · APN 1800-01-35-7921

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	102 PHILLIPS RD, SPRUCE PINE, NC 28777-6004
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	102 PHILLIPS RD, SPRUCE PINE, NC 28777-6004
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	604/502
Date	Aug 09, 2019
Book Page	604/502
Instrument	2019001401

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BAKERSVILLE, NC 28705

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 23, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$973.00 (+1.57%)	$152,100 (-) Land $18,700 Building $133,400
2023	$958.00	$152,100 Land $18,700 Building $133,400	$152,100 Land $18,700 Building $133,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	About 1 in 1,235 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.