1096 Oak Ave, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 1096 Oak Ave, Spruce Pine, NC 28777

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,740 sqft · built 1955
Lot Size	0.51 acres (22,216 sqft)
Owner	Company Name on File
Last Sale	$189,500 (Dec 2020)
Tax Bill	$1,431 (2026)
Deeds & Mortgages	Dec 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0890-14-43-8601`

Property Details

APN / Parcel Number

Primary APN	`0890-14-43-8601`
Alternative APNs	`555557100` `555785129`

Interior

Units	5 Units
Stories	1 Story
Building Area	6,740 sqft Total Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	22,216 sqft (0.51 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	555785129
Street Address	1096 OAK AVE
City	SPRUCE PINE
State	NC
Zip	28777-2837
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	OAK AVENUE
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1071
Census Tract	950300

Owner

1096 Oak Ave, a commercial property, is owned by a company that bought it in December 2020.

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	Company Name on File
Mailing Address	2250 JACKS CREEK RD, BURNSVILLE, NC 28714-5230
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Dec 30, 2011
Deed Document Number	20202321
Deed Book / Page	621 / 443
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Dec 11, 2020
Property Address	1096 OAK AVE, SPRUCE PINE, NC 28777-2837
Document Number	000621/443
Book / Page	621 / 443
Instrument Date	Dec 11, 2020
Instrument	2020002321
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2250 JACKS CREEK RD, BURNSVILLE, NC 28714-5230

Mortgage

Document Number	2020002322
Date	Dec 11, 2020
Instrument	2020002322

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 11, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 1096 Oak Ave was $1,431.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,431.00	$255,700 (-) Land $61,100 Building $194,600
2025	$1,431.00	$255,700 Land $61,100 Building $194,600
2023	$1,431.00	$255,700 Land $61,100 Building $194,600	$255,700 Land $61,100 Building $194,600

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

Flood

FEMA maps place 1096 Oak Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Wildfire risk around 1096 Oak Ave is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 53 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 / 1,000

May also be available: Verizon.

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