Mitchell County property record for 120 Ridgetop Ln, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,624 sqft · built 1996 |
| Lot Size | 2.67 acres (116,305 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $696 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1800-00-84-7285 |
| Primary APN | 1800-00-84-7285 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 116,305 sqft (2.67 acres) |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 005004009 |
|---|---|
| Street Address | 120 RIDGETOP LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9270 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF SR 1130 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950300 |
120 Ridgetop Ln is owned and occupied by two individuals who acquired it in October 2009.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 RIDGETOP LN, SPRUCE PINE, NC 28777-9270 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 Transfer Date | Oct 23, 2009 |
| Transfer Doc | 496/324 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 120 Ridgetop Ln was $696.
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 | $696.00 | $108,800 (-) Land $32,300 Building $76,500 | |
| 2025 | $696.00 | $108,800 Land $32,300 Building $76,500 | |
| 2023 | $685.00 | $108,800 Land $32,300 Building $76,500 | $108,800 Land $32,300 Building $76,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Ridgetop Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 2, 2018
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 120 Ridgetop Ln is moderate, ranking above 53% 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 53% of the US · above 75% 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: 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 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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