Mitchell County property record for 105 Waterside Loop, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2,436 sqft · built 2009 |
| Lot Size | 2.43 acres (105,851 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Apr 2009) |
| Tax Bill | $2,308 (2026) |
| Deeds & Mortgages | Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0860-00-82-4956 |
| Primary APN | 0860-00-82-4956 |
|---|---|
| Alternative APN |
|
| Total Rooms | 6 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 2,436 sqft Total Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Wood |
| Lot Area | 105,851 sqft (2.43 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555780532 |
|---|---|
| Street Address | 105 WATERSIDE LOOP |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-0419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | GRACE RIDGE SUBDIVISION |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1013 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 105 WATERSIDE LOOP, SPRUCE PINE, NC 28777-0419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2009 · Amount on Record |
| Deed Sale | Apr 23, 2009 · Amount on Record |
| Deed Book / Page | 488 / 428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 105 WATERSIDE LOOP, SPRUCE PINE, NC 28777-0419 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000661/546 |
|---|---|
| Date | Sep 6, 2023 |
| Book Page | 661/546 |
| Instrument | 2023001813 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,308.00 | $360,700 (-) Land $58,600 Building $302,100 | |
| 2025 | $2,308.00 (+1.58%) | $360,700 (-) Land $58,600 Building $302,100 | |
| 2023 | $2,272.00 | $360,700 Land $58,600 Building $302,100 | $360,700 Land $58,600 Building $302,100 |
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 51% of the US · above 73% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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