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

Mitchell County property record for 11 Rock Ledge Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,349 sqft · built 1978
Lot Size	0.45 acres (19,602 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Mar 2009)
Tax Bill	$1,720 (2026)
Deeds & Mortgages	Dec 2022 Reverse Mortgage Sep 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0789-04-94-8061`

Property Details

APN / Parcel Number

Primary APN	`0789-04-94-8061`
Alternative APN	`555781419`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,349 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	19,602 sqft (0.45 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	555781419
Street Address	11 ROCK LEDGE RD
City	SPRUCE PINE
State	NC
Zip	28777-5401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TALL PINE RIDGE LOT #24
Legal Subdivision	TALL PINE RIDGE
Legal Lot Number	24
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2047
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	Company Name on Record
Mailing Address	11 ROCK LEDGE RD, SPRUCE PINE, NC 28777-5401
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 28, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Oct 5, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
May 8, 2018	Intrafamily Transfer, Transfer · Reverse Mortgage ONE REVERSE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2009 · Amount on Record
Deed Sale	Mar 31, 2009 · Amount on Record
Deed Book / Page	487 / 390
Last Transfer Date	Dec 12, 2024
Transfer Doc	000674/758
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	11 ROCKLEDGE RD, SPRUCE PINE, NC 28777-5401
Transaction Type	Mortgage
Record Updated	Jan 6, 2023
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 ROCKLEDGE RD, SPRUCE PINE, NC 28777-5401

Mortgage

Document Number	000652/864
Date	Dec 28, 2022
Book Page	652/864
Instrument	2022003439

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	826 Months
Due	Oct 10, 2091

Interest

Rate Type	Adjustable Rate
Rate	7.58%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	11 ROCKLEDGE RD, SPRUCE PINE, NC 28777-5401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	584/321
Date	Sep 28, 2017
Book Page	584/321
Instrument	2017001790

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	11 ROCKLEDGE RD, SPRUCE PINE, NC 28777-5401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	584/476
Date	Oct 5, 2017
Book Page	584/476
Instrument	2017001822

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	May 8, 2018
Property Address	11 ROCKLEDGE RD, SPRUCE PINE, NC 28777-5401
Document Number	590/820
Book / Page	590 / 820
Map Reference	MB1 PG131
Instrument Date	May 4, 2018
Instrument	2018000772
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 ROCKLEDGE RD, 11, SPRUCE PINE, NC 28777-5401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	11 ROCKLEDGE RD, SPRUCE PINE, NC 28777-5401

Mortgage

Document Number	2018000773
Date	May 8, 2018
Instrument	2018000773

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.78%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Margin	2
Max Rate	5%

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	$1,720.00	$268,800 (-) Land $40,000 Building $228,800
2025	$1,720.00 (+1.59%)	$268,800 (-) Land $40,000 Building $228,800
2023	$1,693.00	$268,800 Land $40,000 Building $228,800	$268,800 Land $40,000 Building $228,800

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	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 52% 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 and 4G LTE (outdoors only)

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