10362 S Spruce St, Middlesex, NC 27557 Property Records

Nash County property record for 10362 S Spruce St, Middlesex, NC 27557

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,684 sqft · built 2021
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$338,000 (Jul 2022)
Tax Bill	$4,365 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`273419-61-6825`

Property Details

APN / Parcel Number

Primary APN	`273419-61-6825`
Alternative APNs	`020997` `69243` `27030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,684 sqft Heated Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	27030
Street Address	10362 S SPRUCE ST
City	MIDDLESEX
State	NC
Zip	27557-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	6 4 6, 1 LT, 6 BLK 4
Legal Subdivision	TOWN OF
Legal Block	4
Legal Lot Number	6
Jurisdiction	NASH NC
Township / Civil Division	DRY WELLS
Census Block Group	2
Census Block	2031
Census Tract	11501

Owner

10362 S Spruce St is owned and occupied by two individuals who bought it in July 2022.

Source: Nash County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10362 S SPRUCE ST, MIDDLESEX, NC 27557-9728
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Dec 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage THE FIDELITY BANK
Jul 15, 2022	Warranty Deed, Transfer · FHA Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on File
Deed Sale	Jul 15, 2022 · Amount on File
Prior Sale	Sep 24, 1993 · Amount on File
Deed Book / Page	3231 / 763
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASH NC
Recording Date	Jun 25, 2026
Property Address	10362 S SPRUCE ST, MIDDLESEX, NC 27557-9728
Document Number	3496000163
Book / Page	3496 / 163
Instrument Date	Apr 28, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10362 S SPRUCE ST, MIDDLESEX, NC 27557-9728

Mortgage

Document Number	3496000163,
Date	Jun 25, 2026
Book Page	3496/163

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Aug 1, 2052

Interest

Rate	6.46%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASH NC
Property Address	10362 S SPRUCE ST, MIDDLESEX, NC 27557-9728
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003180/323
Date	Dec 2, 2021
Book Page	3180/323

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	RALEIGH, NC 27609

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	30 Months
Due	Jun 1, 2024

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASH NC
Recording Date	Jul 15, 2022
Property Address	10362 S SPRUCE ST, MIDDLESEX, NC 27557-9728
Document Number	003231/763
Book / Page	3231 / 763
Instrument Date	Jul 15, 2022
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7320 BASSETT HALL CT, 7320, RALEIGH, NC 27616-5630

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10362 S SPRUCE ST, MIDDLESEX, NC 27557-9728

Mortgage

Document Number	0032310765
Date	Jul 15, 2022
Instrument	3231-0765

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 10362 S Spruce St was $4,365, up 4% from the year before.

Source: Nash County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Nash County
Municipality	Middlesex Town
Unified School District	Nash-Rocky Mount Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,365.00 (+4%)	$335,800 (-) Land $10,500 Building $325,300	$335,800 (-) Land $10,500 Building $325,300
2025	$4,197.00	$335,800 Land $10,500 Building $325,300	$335,800 Land $10,500 Building $325,300
2023	$3,225.00	$240,710	$240,710 Land $10,500 Building $230,210

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

Flood

FEMA maps place 10362 S Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 10362 S Spruce St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLESEX WATER SYSTEM serves 1,389 people · EPA ID NC0464050
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Ethylene dibromide not recorded as resolved · Apr 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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