123 Hill St, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 123 Hill St, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1961
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$109,000 (Mar 2020)
Tax Bill	$608 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0799-05-29-3925`

Property Details

APN / Parcel Number

Primary APN	`0799-05-29-3925`
Alternative APN	`555782783`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Lot Area	26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555782783
Street Address	123 HILL ST
City	SPRUCE PINE
State	NC
Zip	28777-8884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILL ST
Legal Subdivision	SURVEY OF WILLIAM E ARROWOOD RLS-1510
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3018
Census Tract	950300

Owner

123 Hill St is owned and occupied by two individuals who bought it in March 2020.

Source: Mitchell County records, as of September 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	123 HILL ST, SPRUCE PINE, NC 28777-8884
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2020 · Amount on File
Deed Sale	Mar 17, 2020 · Amount on File
Prior Sale	Sep 18, 2014 · Amount on File
Deed Document Number	2020424
Deed Book / Page	611 / 630
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Mar 17, 2020
Property Address	123 HILL ST, SPRUCE PINE, NC 28777-8884
Document Number	000611/630
Book / Page	611 / 630
Instrument Date	Mar 17, 2020
Instrument	2020000424
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 FAIRGROUND ST # STB6, 107, SPRUCE PINE, NC 28777-5208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 HILL ST, SPRUCE PINE, NC 28777-8884

Mortgage

Document Number	2020000425
Date	Mar 17, 2020
Instrument	2020000425

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 123 Hill St was $608.

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$608.00	$108,700 (-) Land $21,300 Building $87,400
2025	$608.00	$108,700 Land $21,300 Building $87,400
2023	$608.00	$108,700 Land $21,300 Building $87,400	$108,700 Land $21,300 Building $87,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 123 Hill St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

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 Claims	2 (1983–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1996 · rainfall accumulation

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

Wildfire risk around 123 Hill St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% 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 110 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	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hill St

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