Avery County property record for 11 Summer Ln, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,736 sqft · built 1980 |
| Lot Size | 7.61 acres (331,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Aug 2026) |
| Tax Bill | $1,064 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1812-00-22-3774-00000 |
| Primary APN | 1812-00-22-3774-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,736 sqft Living Area |
| Gross Area | 4,224 sqft |
| 1st Floor Area | 1,488 sqft |
| Basement Area | 1,488 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 331,492 sqft (7.61 acres) |
| Lot Width | 900 ft Width |
| Porch | Open Porch |
|---|---|
| Porch Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Storage Building | 680 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 37322 |
|---|---|
| Street Address | 11 SUMMER LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8270 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NULL |
| Legal Description | NULL |
| Legal Lot Number | 880 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | INGALLS |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 930400 |
11 Summer Ln is owned and occupied by two individuals who bought it in August 2026.
Source: Avery County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 SUMMER LN, SPRUCE PINE, NC 28777-8270 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK |
| May 15, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on File |
| Deed Sale | Aug 18, 2026 · Amount on File |
| Deed Document Number | 20263346 |
| Deed Book / Page | 622 / 2147 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Aug 18, 2026 |
| Property Address | 11 SUMMER LN, SPRUCE PINE, NC 28777-8270 |
| Document Number | 0000003346 |
| Book / Page | 622 / 2147 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 20263346 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $101,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 SUMMER LN, SPRUCE PINE, NC 28777-8270 |
| Document Number | 0000003347, |
|---|---|
| Date | Aug 18, 2026 |
| Instrument | 20263347 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 11 SUMMER LN, SPRUCE PINE, NC 28777-8270 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11 SUMMER LN, SPRUCE PINE, NC 28777-8270 |
| Document Number | 0000001950 |
|---|---|
| Date | May 15, 2023 |
| Book Page | 588/1425 |
| Instrument | 2023001950 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BAKERSVILLE, NC 28705 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 22, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 11 Summer Ln was $1,064.
Source: Avery County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,064.00 | $266,200 Land $73,800 Building $192,400 | $266,200 Land $73,800 Building $192,400 |
| 2024 | $1,064.00 | ||
| 2023 | $1,064.00 | $266,200 Land $73,800 Building $192,400 | $266,200 Land $73,800 Building $192,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Summer Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 20 (1994–2024) |
| Claims Outside the SFHA | 5 of 20 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 11 Summer Ln is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 86% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Carolina West Wireless Fixed Wireless | 25 / 3 |
| RiverStreet Networks Fixed Wireless | 25 / 3 |
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