Mitchell County property record for 104 Red Bird Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,188 sqft · built 1961 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $98,000 (Sep 2020) |
| Tax Bill | $933 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0779-00-28-7396 |
| Primary APN | 0779-00-28-7396 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 23,958 sqft (0.55 acres) |
| Heating System | Central |
|---|
| Account Number | 555782864 |
|---|---|
| Street Address | 104 RED BIRD RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 19E |
| Legal Subdivision | GRASSY CREEK TOWNSHIP NO 2 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 950400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 104 RED BIRD RD, SPRUCE PINE, NC 28777-9780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2020 · Amount on Record |
| Deed Sale | Sep 21, 2020 · Amount on Record |
| Deed Document Number | 20201662 |
| Deed Book / Page | 617 / 939 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 104 RED BIRD RD, SPRUCE PINE, NC 28777-9780 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000638/212 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 638/212 |
| Instrument | 2021003004 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 362 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 21, 2020 |
| Property Address | 104 RED BIRD RD, SPRUCE PINE, NC 28777-9780 |
| Document Number | 617/939 |
| Book / Page | 617 / 939 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 2020001662 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $196.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 RED BIRD RD, SPRUCE PINE, NC 28777-9780 |
| Document Number | 2020001663 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 2020001663 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Oct 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.37% |
| Index | 5-Year CMT |
| Max Rate | 10.3% |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $933.00 | $145,900 (-) Land $19,800 Building $126,100 | |
| 2025 | $933.00 (+1.52%) | $145,900 (-) Land $19,800 Building $126,100 | |
| 2023 | $919.00 | $145,900 Land $19,800 Building $126,100 | $145,900 Land $19,800 Building $126,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
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