Mitchell County property record for 102 Pitt Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 1,512 sqft |
| Lot Size | 2.9 acres (126,324 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (May 2020) |
| Tax Bill | $976 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-14-43-1928 |
| Primary APN | 0890-14-43-1928 |
|---|---|
| Alternative APN |
|
| Building Area | 1,512 sqft Living Area |
|---|
| Lot Area | 126,324 sqft (2.9 acres) |
|---|
| Account Number | 555782950 |
|---|---|
| Street Address | 102 PITT RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PITT RD |
| Legal Subdivision | D A GREENE PROPERTY |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
102 Pitt Rd is owned and occupied by two individuals who bought it in May 2020.
Source: Mitchell County records, as of September 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 PITT RD, SPRUCE PINE, NC 28777-2840 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| May 1, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2020 · Amount on File |
| Deed Sale | May 1, 2020 · Amount on File |
| Deed Document Number | 2020683 |
| Deed Book / Page | 613 / 50 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 102 PITT RD, SPRUCE PINE, NC 28777-2840 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 000636/583 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 636/583 |
| Instrument | 2021002724 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 1, 2020 |
| Property Address | 102 PITT RD, SPRUCE PINE, NC 28777-2840 |
| Document Number | 613/50 |
| Book / Page | 613 / 50 |
| Instrument Date | May 1, 2020 |
| Instrument | 2020000683 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 954 BRUSHY CREEK RD, 954, SPRUCE PINE, NC 28777-8462 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 102 PITT RD, SPRUCE PINE, NC 28777-2840 |
| Document Number | 0000613/55 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 613/55 |
| Instrument | 2020000684 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2026 property tax bill for 102 Pitt Rd was $976.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $976.00 | $174,300 (-) Land $35,300 Building $139,000 | |
| 2025 | $976.00 | $174,300 Land $35,300 Building $139,000 | |
| 2023 | $976.00 | $174,300 Land $35,300 Building $139,000 | $174,300 Land $35,300 Building $139,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Pitt Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.
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 | 1 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 102 Pitt Rd is low, with a 0.07% annual chance of 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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