Mitchell County property record for 115 Buchanan St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.38 acres (60,113 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,062 (2026) |
| Deeds & Mortgages | Jun 2026 Transfer Oct 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-14-34-4193 |
| Primary APN | 0890-14-34-4193 |
|---|---|
| Alternative APNs |
|
| Lot Area | 60,113 sqft (1.38 acres) |
|---|
| Account Number | 555786391 |
|---|---|
| Street Address | 115 BUCHANAN ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BUCHANAN STREET |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 115 BUCHANAN ST, SPRUCE PINE, NC 28777-2817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jun 29, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 19, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 29, 2026 |
| Transfer Doc | 0000001106 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jun 29, 2026 |
| Property Address | 115 BUCHANAN ST, SPRUCE PINE, NC 28777-2817 |
| Document Number | 0000001106 |
| Book / Page | 691 / 209 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 20261106 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 115 BUCHANAN ST, SPRUCE PINE, NC 28777-2817 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 115 BUCHANAN ST, SPRUCE PINE, NC 28777-2817 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 115 BUCHANAN ST, SPRUCE PINE, NC 28777-2817 |
| Document Number | 000662/814 |
|---|---|
| Date | Oct 19, 2023 |
| Book Page | 662/814 |
| Instrument | 2023002082 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,062.00 | $189,800 (-) Land $19,400 Building $170,400 | |
| 2025 | $1,062.00 | $189,800 (-) Land $19,400 Building $170,400 | |
| 2023 | $1,062.00 | $189,800 Land $19,400 Building $170,400 | $82,500 Land $19,400 Building $63,100 |
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 | 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.
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.
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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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