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133 Laurel Ln, Spruce Pine, NC 28777 Property Records

McDowell County property record for 133 Laurel Ln, Spruce Pine, NC 28777 · Last verified October 2025

Property Summary

Property TypeVacant Land
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$375,000 (Sep 2020)
Tax Bill$22 (2025)
Deeds & MortgagesMar 2017 Mortgage
Sep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0787-02-87-3817

Property Details

APN / Parcel Number

Primary APN0787-02-87-3817
Alternative APN
  • 555782774

Exterior

Lot Area6,098 sqft (0.139 acres)

Location & Zoning

Account Number555782774
Street Address133 LAUREL LN
CitySPRUCE PINE
StateNC
Zip28777
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal Description1/3 LAND 1/2 BD; OFF226 L S PT IN MCDOWEL
JurisdictionMITCHELL NC
Township / Civil DivisionNORTH COVE
Census Block Group1
Census Block1029
Census Tract950400

Owner

Source: McDowell County records · APN 0787-02-87-3817

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing AddressPO BOX 325, LITTLE SWITZERLAND, NC 28749-0325
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 29, 2017Deed of Trust, Mortgage · ARM
CARDINAL FINANCIAL COMPANY LP
Sep 14, 2020Warranty Deed, Transfer · Conventional Mortgage
UNITED FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 14, 2020 · Amount on Record
Deed SaleSep 14, 2020 · Amount on Record
Deed Document Number2020001611
Deed Book / Page617 / 692
Record UpdatedJun 08, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMITCHELL NC
Property Address133 LAUREL LN, SPRUCE PINE, NC 28777
Transaction TypeMortgage
Record UpdatedAug 10, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number578/717
DateMar 29, 2017
Book Page578/717
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeARM
AmountAmount Recorded
Term359 Months
DueFeb 01, 2047
Interest
Rate TypeAdjustable Rate
Rate3.5%
AdjustableAdjustable Rate Rider
Type Change DateFeb 01, 2022
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change8.5%
Index1-Year LIBOR
Max Rate8.5%

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMITCHELL NC
Recording DateSep 14, 2020
Property Address133 LAUREL LN, SPRUCE PINE, NC 28777
Document Number617/692
Book / Page617 / 692
Instrument DateSep 14, 2020
Instrument2020001611
Transaction TypeTransfer
Record UpdatedAug 10, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address72 COUNTRY CLUB WOODS, 72, SPRUCE PINE, NC 28777-8971

Transferred To (Grantee/Buyer)

NameVerified Name
Address133 LAUREL LANE, LITTLE SWITZERLAND, NC 28749

Mortgage

Document Number2020001612
DateSep 14, 2020
Instrument2020001612
Lender
NameUNITED FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: McDowell County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMcDowell County
Unified School DistrictMcDowell County Schools (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed Value
2025$22.00 (-98.62%)$3,500 (-98.62%) Land $3,500
2023$1,594.00$253,100 Land $21,000 Building $232,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McDowell County (37121C), updated May 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371219504001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims4 (2004–2024)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm
  • Tropical Storm Frances, Sep 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 49% of the US · above 70% of North Carolina
Wildfire LikelihoodAbout 1 in 1,111 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Zito West HoldingFiber1,000 / 1,000
Zito West HoldingCable400 / 24

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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