145 Elm St, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 145 Elm St, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1969
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (May 2026)
Tax Bill	$364 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0890-14-33-9600`

Property Details

APN / Parcel Number

Primary APN	`0890-14-33-9600`
Alternative APNs	`555783500` `555784354` `555786341`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Wood
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	555786341
Street Address	145 ELM ST
City	SPRUCE PINE
State	NC
Zip	28777-2857
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 ELM STREET
Legal Subdivision	D A GREENS DEVELOPMENT OF SPRUCE PINE
Legal Lot Number	22
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1025
Census Tract	950300

Owner

Source: Mitchell County records, as of October 1, 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	145 ELM ST, SPRUCE PINE, NC 28777-2857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage BAXTER CREDIT UNION
Jan 26, 2022	Intrafamily Transfer, Transfer
Jan 26, 2022	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 28, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Jan 26, 2022 · Amount on Record
Deed Document Number	2026893
Deed Book / Page	690 / 164
Prior Transfer Date	Jan 24, 2022
Prior Transfer Doc	0000639/85
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	May 27, 2026
Property Address	145 ELM ST, SPRUCE PINE, NC 28777-2857
Document Number	0000000893
Book / Page	690 / 164
Instrument Date	May 27, 2026
Instrument	2026893
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 ELM ST, SPRUCE PINE, NC 28777-2857

Mortgage

Document Number	0000000894,
Date	May 27, 2026
Instrument	2026894

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Jan 26, 2022
Property Address	145 ELM ST, SPRUCE PINE, NC 28777-2857
Document Number	0000639/85
Book / Page	639 / 85
Instrument Date	Jan 24, 2022
Instrument	2022000147
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5218 S HOLLY ST, SEATTLE, WA 98118-3436

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jan 26, 2022
Property Address	145 ELM ST, SPRUCE PINE, NC 28777-2857
Document Number	0000639/82
Book / Page	639 / 82
Instrument Date	Jan 20, 2022
Instrument	2022000146
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 SPRUCE AVE, SPRUCE PINE, NC 28777-5216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5218 S HOLLY ST, SEATTLE, WA 98118-3436

Mortgage

Document Number	2022000148
Date	Jan 26, 2022
Instrument	2022000148

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MITCHELL NC
Recording Date	Jan 28, 2021
Property Address	145 ELM ST, SPRUCE PINE, NC 28777-2857
Document Number	623/403
Book / Page	623 / 403
Instrument Date	Jan 28, 2021
Instrument	2021000192
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 PINE AVE, 21, SPRUCE PINE, NC 28777-5302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 ELM STREET, SPRUCE PINE, NC 28777-2857

Tax Assessment & Valuation

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	$364.00	$65,000 (-) Land $14,700 Building $50,300
2025	$364.00	$65,000 (-) Land $14,700 Building $50,300
2023	$364.00	$65,000 Land $14,700 Building $50,300	$65,000 Land $14,700 Building $50,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	0.07% 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable in parts of the area	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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