McDowell County property record for 1103 Apple Ln, Spruce Pine, NC 28777
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 1,562 sqft · built 1975 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $110,000 (Aug 2014) |
| Tax Bill | $1,749 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1708-00-38-7889 |
| Primary APN | 1708-00-38-7889 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,562 sqft Heated Area |
| Basement Area | 1,722 sqft |
| Finished Basement | 1,722 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 58909 |
|---|---|
| Street Address | 1103 APPLE LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 1.645 AC LTS 12-13 APPLE MTN PER SURVEY |
| Legal Subdivision | APPLE MOUNTAIN |
| Legal Lot Number | 12-13 13 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | NORTH COVE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970101 |
The current owner of 1103 Apple Ln bought it in August 2014.
Source: McDowell County records, as of September 29, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | PO BOX 591, SPRUCE PINE, NC 28777-0591 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2014 · Amount on File |
| Deed Sale | Aug 6, 2014 · Amount on File |
| Deed Document Number | 0001133369 |
| Deed Book / Page | 1133 / 369 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1103 Apple Ln was $1,749.
Source: McDowell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,749.00 | $274,430 Land $50,000 Building $224,430 | |
| 2023 | $1,749.00 | $274,430 Land $50,000 Building $224,430 | $274,430 Land $50,000 Building $224,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1103 Apple Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| 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 risk around 1103 Apple Ln is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 71% 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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