139 Rock Ledge Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 139 Rock Ledge Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 800 sqft · built 1971
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$126,000 (Jul 2017)
Tax Bill	$900 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Oct 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0789-04-93-8498`

Property Details

APN / Parcel Number

Primary APN	`0789-04-93-8498`
Alternative APN	`555780730`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	800 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555780730
Street Address	139 ROCK LEDGE RD
City	SPRUCE PINE
State	NC
Zip	28777-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TALL PINE RIDGE LOT #28
Legal Subdivision	TALL PINE RIDGE
Legal Lot Number	28
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2047
Census Tract	950400

Owner

Source: Mitchell County records, as of September 8, 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 Record
Mailing Address	139 ROCK LEDGE RD, SPRUCE PINE, NC 28777-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Oct 24, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 13, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2017 · Amount on Record
Deed Sale	Jul 13, 2017 · Amount on Record
Deed Document Number	20171269
Deed Book / Page	581 / 586
Prior Transfer Date	Aug 28, 2006
Prior Transfer Doc	000443/465
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	139 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9754
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	581/589
Date	Jul 13, 2017
Book Page	581/589

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	139 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	585/247
Date	Oct 24, 2017
Book Page	585/247
Instrument	2017002036

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jul 13, 2017
Property Address	139 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9754
Document Number	0581/586
Book / Page	0581 / 586
Map Reference	PL 1PG 131
Instrument Date	Jul 10, 2017
Instrument	2017001269
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2364 NOTCH AVE, 2364, THE VILLAGES, FL 32162-5117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9754

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$900.00	$140,100 (-) Land $40,000 Building $100,100
2025	$900.00 (+1.69%)	$140,100 (-) Land $40,000 Building $100,100
2023	$885.00	$140,100 Land $40,000 Building $100,100	$140,100 Land $40,000 Building $100,100

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

Flood

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	3 in force

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

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Zito Media Fiber · Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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