Mitchell County property record for 128 Shadow Ln, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 1 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 2,520 sqft Living Area |
| Lot Size | 273,557 sqft (6.28 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $94,000 (2018) |
| Tax Bill | $1,910.00 (2025) |
Source: Mitchell County records · APN 0890-02-97-2015
Assessment roll updated October 17, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 SHADOW LN, SPRUCE PINE, NC 28777-8447 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 12, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Feb 07, 2018 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 07, 2018 · Amount on Record |
| Deed Sale | Feb 07, 2018 · Amount on Record |
| Deed Doc Number | 2018209 |
| Deed Book / Page | 588 / 203 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 128 SHADOW LN, SPRUCE PINE, NC 28777-8447 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Name | Verified Name |
|---|
| Document Number | 616/281 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 616/281 |
| Instrument | 2020001349 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Feb 07, 2018 |
| Property Address | 128 SHADOW LN, SPRUCE PINE, NC 28777-8447 |
| Document Number | 588/203 |
| Book / Page | 588 / 203 |
| Map Reference | MB 174 PG 269 |
| Instrument Date | Feb 07, 2018 |
| Instrument | 2018000209 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $188.00 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|---|
| Address | PO BOX 762, SPRUCE PINE, NC 28777-0762 |
| Name | Verified Name |
|---|---|
| Address | 128 SHADOW LN, SPRUCE PINE, NC 28777-8447 |
| Document Number | 588/206 |
|---|---|
| Date | Feb 07, 2018 |
| Book Page | 588/206 |
| Instrument | 2018000210 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,910.00 (+1.6%) | $298,500 (-) Land $59,000 Building $239,500 | |
| 2023 | $1,880.00 | $298,500 Land $59,000 Building $239,500 | $298,500 Land $59,000 Building $239,500 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 49% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,136 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 0890-02-97-2015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Building Area | 2,520 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 273,557 sqft (6.28 acres) |
| Account Number | 555781653 |
|---|---|
| Street Address | 128 SHADOW LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8447 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1137 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 950300 |
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