103 Montevista Cir, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 103 Montevista Cir, Spruce Pine, NC 28777 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	1,692 sqft · built 1948
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Jul 2010)
Tax Bill	$1,028 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0880-16-93-3900`

Property Details

APN / Parcel Number

Primary APN	`0880-16-93-3900`
Alternative APN	`555556986`

Interior

Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,692 sqft Total Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	555556986
Street Address	103 MONTEVISTA CIR
City	SPRUCE PINE
State	NC
Zip	28777-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 2 & 3
Legal Subdivision	PLAT OF MONTE VISTA HEIGHTS
Legal Lot Number	2 & 3
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1035
Census Tract	950300

Owner

Source: Mitchell County records · APN 0880-16-93-3900

Assessment roll updated October 17, 2025 · Last verified April 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	103 MONTEVISTA CIR, SPRUCE PINE, NC 28777-2613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 29, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC
Sep 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC
Sep 27, 2018	Deed of Trust, Mortgage · Line of Credit NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2010 · Amount on Record
Deed Sale	Jul 14, 2010 · Amount on Record
Prior Sale	May 17, 2010 · Amount on Record
Deed Book / Page	503 / 955
Last Transfer Date	Mar 29, 2023
Transfer Doc	000655/685
Record Updated	Jun 08, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	103 MONTEVISTA CIR, SPRUCE PINE, NC 28777-2613
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000681/524
Date	Aug 22, 2025
Book Page	681/524
Instrument	2025001425

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Mar 29, 2023
Property Address	103 MONTEVISTA CIR, SPRUCE PINE, NC 28777-2613
Document Number	000655/685
Book / Page	655 / 685
Instrument Date	Mar 25, 2023
Instrument	2023000555
Transaction Type	Transfer
Record Updated	Apr 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 MONTEVISTA CIR, SPRUCE PINE, NC 28777-2613

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 MONTEVISTA CIR, SPRUCE PINE, NC 28777-2613

Mortgage

Document Number	2023000556
Date	Mar 29, 2023
Instrument	2023000556

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2038

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	103 MONTEVISTA CIR, SPRUCE PINE, NC 28777-2613
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000595/212
Date	Sep 27, 2018
Book Page	595/212
Instrument	2018001671

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2038

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	103 MONTEVISTA CIR, SPRUCE PINE, NC 28777-2613
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000595/224
Date	Sep 27, 2018
Book Page	595/224
Instrument	2018001672

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
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	$1,028.00	$183,600 (-) Land $13,400 Building $170,200
2023	$1,028.00	$183,600 Land $13,400 Building $170,200	$183,600 Land $13,400 Building $170,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371219503001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	About 1 in 1,042 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 56 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Zito West Holding	Fiber	1,000 / 1,000

May also be available at this address: Verizon, Zito West Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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