109 Chesapeake Trl, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 109 Chesapeake Trl, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	1,543 sqft · built 2007
Lot Size	3.04 acres (132,422 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Sep 2018)
Tax Bill	$2,277 (2026)
Deeds & Mortgages	Feb 2012 Mortgage Apr 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0860-00-92-1009`

Property Details

APN / Parcel Number

Primary APN	`0860-00-92-1009`
Alternative APN	`555781742`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,543 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	132,422 sqft (3.04 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	555781742
Street Address	109 CHESAPEAKE TRL
City	SPRUCE PINE
State	NC
Zip	28777-8897
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1013
Census Tract	950400

Owner

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	109 CHESAPEAKE TRL, SPRUCE PINE, NC 28777-8897
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2012	Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Apr 4, 2023	Correction Deed
Sep 21, 2018	Warranty Deed, Transfer
Aug 11, 2010	Trustee's Deed, Foreclosure · ARM HOMETRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Aug 11, 2010
Deed Document Number	20181640
Deed Book / Page	595 / 98
Prior Transfer Date	Aug 10, 2010
Prior Transfer Doc	000504/595
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	109 CHESAPEAKE TRL, SPRUCE PINE, NC 28777-8897
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000519/811
Date	Feb 8, 2012
Book Page	519/811

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount Recorded

April 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 4, 2023
Property Address	109 CHESAPEAKE TRL, SPRUCE PINE, NC 28777-8897
Document Number	000655/921
Book / Page	655 / 921
Map Reference	MB 504 PG 589
Instrument Date	Mar 29, 2023
Instrument	2023000603
Record Updated	May 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	237 ROCKLEDGE RD, SPRUCE PINE, NC 28777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CHESAPEAKE TRL, SPRUCE PINE, NC 28777-8897

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Sep 21, 2018
Property Address	109 CHESAPEAKE TRL, SPRUCE PINE, NC 28777-8897
Document Number	000595/098
Book / Page	595 / 098
Map Reference	MB504 PG589
Instrument Date	Aug 15, 2018
Instrument	2018001640
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CHESAPEAKE TRL, SPRUCE PINE, NC 28777-8897

August 2010: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 11, 2010
Property Address	109 CHESAPEAKE TRL, SPRUCE PINE, NC 28777-8897
Document Number	000504/595
Book / Page	504 / 595
Instrument Date	Aug 10, 2010
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2010002362
Date	Aug 11, 2010
Instrument	2010002362

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Min Rate At Change	10.5%
Max Rate At Change	4.5%
Index	1-Year T-Bill

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	$2,277.00	$355,900 (-) Land $54,500 Building $301,400
2025	$2,277.00 (+1.56%)	$355,900 (-) Land $54,500 Building $301,400
2023	$2,242.00	$355,900 Land $54,500 Building $301,400	$355,900 Land $54,500 Building $301,400

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

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	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	Tropical Storm Frances, Sep 2004 · 2 claims

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	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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chesapeake Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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