108 Rock Ledge Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 108 Rock Ledge Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.54 acres (23,522 sqft)
Owner	Company Name on Record
Last Sale	$900,000 (Mar 2024)
Tax Bill	$51 (2026)
Deeds & Mortgages	May 2025 Line of Credit Mar 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0789-04-93-6466`

Property Details

APN / Parcel Number

Primary APN	`0789-04-93-6466`
Alternative APNs	`001072172` `555784188` `555785434`

Exterior

Lot Area	23,522 sqft (0.54 acres)

Location & Zoning

Account Number	555785434
Street Address	108 ROCK LEDGE RD
City	SPRUCE PINE
State	NC
Zip	28777-9754
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	PHILLIPD ROAD LOT 5O
Legal Subdivision	TALL PINE RIDGE
Legal Lot Number	5O
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2044
Census Tract	950400

Owner

Source: Mitchell County records, as of October 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5532 HIGHWAY 19E, PENLAND, NC 28765
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 7, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF TENNESSEE
Mar 26, 2024	Warranty Deed, Transfer
Jun 7, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2024 · Amount on Record
Deed Sale	Mar 26, 2024 · Amount on Record
Prior Sale	Jun 7, 2022 · Amount on Record
Deed Document Number	2024500
Deed Book / Page	667 / 23
Prior Transfer Date	Mar 22, 2024
Prior Transfer Doc	0000667/23
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	108 ROCK LEDGE RD, SPRUCE PINE, NC 28777-9754
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5532 HIGHWAY 19E, NEWLAND, NC 28657-7308
Investor	Possibly a Property Investor

Mortgage

Document Number	000678/345
Date	May 7, 2025
Book Page	678/345
Instrument	2025000715

Lender

Name	BANK OF TENNESSEE
Type	Bank
Address	BANNER ELK, NC 28604

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Mar 26, 2024
Property Address	108 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9754
Document Number	0000667/23
Book / Page	667 / 23
Instrument Date	Mar 22, 2024
Instrument	2024000500
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount Recorded
Tax	$1,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19421 LIVERPOOL PKWY, CORNELIUS, NC 28031-6283

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5532 S US 19E HWY, NEWLAND, NC 28657-7308
Investor	Possibly a Property Investor

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jun 7, 2022
Property Address	108 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9754
Document Number	000644/947
Book / Page	644 / 947
Map Reference	MB 1 PG 131
Instrument Date	Jun 6, 2022
Instrument	2022001819
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$2,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 PINE TREE DR, SPRUCE PINE, NC 28777-5400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19421 LIVERPOOL PKWY, CORNELIUS, NC 28031-6283
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$51.00	$8,100 (-) Land $8,100
2025	$51.00	$8,100 (-) Land $8,100
2023	$51.00	$8,100 Land $8,100	$8,100 Land $8,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Zito Media Fiber · Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rock Ledge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures