Mitchell County property record for 108 Louis Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 1,759 sqft · built 2007 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $830 (Feb 2022) |
| Tax Bill | $2,008 (2026) |
| Deeds & Mortgages | May 2023 Line of Credit Oct 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0789-08-89-1978 |
| Primary APN | 0789-08-89-1978 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,759 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Construction Type | Wood |
| Lot Area | 24,829 sqft (0.57 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555784192 |
|---|---|
| Street Address | 108 LOUIS DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950400 |
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 Record |
|---|---|
| Mailing Address | 19111 VISTA BAY DR, 615, INDIAN SHORES, FL 33785-2158 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Oct 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Feb 3, 2022 | Warranty Deed, Transfer |
| Nov 3, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BAY EQUITY LLC |
| Jan 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2022 · Amount on Record |
| Deed Sale | Feb 3, 2022 · Amount on Record |
| Prior Sale | Jan 22, 2021 · Amount on Record |
| Deed Document Number | 2022219 |
| Deed Book / Page | 639 / 486 |
| Prior Transfer Date | Oct 25, 2021 |
| Prior Transfer Doc | 000635/637 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 108 LOUIS DR, SPRUCE PINE, NC 28777-3200 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 19111 VISTA BAY DR 615, 615, INDIAN SHORES, FL 33785-2158 |
| Document Number | 000657/285 |
|---|---|
| Date | May 4, 2023 |
| Book Page | 657/285 |
| Instrument | 2023000947 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 108 LOUIS DR, SPRUCE PINE, NC 28777-3200 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000595/866 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 595/866 |
| Instrument | 2018001802 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Feb 3, 2022 |
| Property Address | 108 LOUIS DR, SPRUCE PINE, NC 28777-3200 |
| Document Number | 000639/486 |
| Book / Page | 639 / 486 |
| Instrument Date | Jan 26, 2022 |
| Instrument | 2022000219 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $830.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 MEADOWVIEW LN, 305, UNICOI, TN 37692-6457 |
| Name | Verified Name |
|---|---|
| Address | 19111 VISTA BAY DR UNIT 615, 615, INDIAN SHORES, FL 33785-2158 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Nov 3, 2021 |
| Property Address | 108 LOUIS DR, SPRUCE PINE, NC 28777-3200 |
| Document Number | 000635/637 |
| Book / Page | 635 / 637 |
| Instrument Date | Oct 25, 2021 |
| Instrument | 2021002539 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 BLOSSOMWOOD DR APT 305, 1600, ASHEVILLE, NC 28803-0287 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 108 LOUIS DR, SPRUCE PINE, NC 28777-3200 |
| Document Number | 2021002540 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 2021002540 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jan 22, 2021 |
| Property Address | 108 LOUIS DR, SPRUCE PINE, NC 28777-3200 |
| Document Number | 000623/226 |
| Book / Page | 623 / 226 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 2021000161 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $690.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 LOUIS DR, 108, SPRUCE PINE, NC 28777-3200 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 108 LOUIS DR, SPRUCE PINE, NC 28777-3200 |
| Document Number | 2021000162 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021000162 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
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 | $2,008.00 | $358,600 (-) Land $22,400 Building $336,200 | |
| 2025 | $2,008.00 | $358,600 (-) Land $22,400 Building $336,200 | |
| 2023 | $2,008.00 | $358,600 Land $22,400 Building $336,200 | $358,600 Land $22,400 Building $336,200 |
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 | 3 in force |
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 | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 72 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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