Mitchell County property record for 11 McRae Ct, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,502 sqft · built 2004 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Oct 2011) |
| Tax Bill | $2,770 (2026) |
| Deeds & Mortgages | Oct 2018 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-21-1041 |
| Primary APN | 0799-03-21-1041 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,502 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 555557205 |
|---|---|
| Street Address | 11 MCRAE CT |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HICKORY HILL DRIVE LOT 29 |
| Legal Subdivision | HICKORY HILLS SECTION |
| Legal Lot Number | 29 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2021 |
| 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 | 11 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2018 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2011 · Amount on Record |
| Deed Sale | Oct 7, 2011 · Amount on Record |
| Prior Sale | Mar 24, 2005 · Amount on Record |
| Deed Book / Page | 516 / 866 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 11 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000595/470 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 595/470 |
| Instrument | 2018001715 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 12, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 11 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000616/802 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 616/802 |
| Instrument | 2020001458 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 11 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000626/935 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 626/935 |
| Instrument | 2021000892 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
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 | $2,770.00 | $384,700 (-) Land $30,000 Building $354,700 | |
| 2025 | $2,770.00 (+16.34%) | $384,700 (+6.83%) Land $30,000 Building $354,700 | |
| 2023 | $2,381.00 | $360,100 Land $30,000 Building $330,100 | $360,100 Land $30,000 Building $330,100 |
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 | 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 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 70 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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