153 Cliff Buchanan Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 153 Cliff Buchanan Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,220 sqft · built 2001
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Aug 2021)
Tax Bill	$1,976 (2026)
Deeds & Mortgages	Aug 2021 Transfer Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0779-00-79-6214`

Property Details

APN / Parcel Number

Primary APN	`0779-00-79-6214`
Alternative APNs	`9900318000` `555783733`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,220 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555783733
Street Address	153 CLIFF BUCHANAN RD
City	SPRUCE PINE
State	NC
Zip	28777-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF SR 1154
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1027
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	2 Individual Names on Record
Mailing Address	153 CLIFF BUCHANAN RD, SPRUCE PINE, NC 28777-6102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Intrafamily Transfer, Transfer
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 24, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Deed Document Number	20211815
Deed Book / Page	631 / 747
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Aug 23, 2021
Property Address	153 CLIFF BUCHANAN RD, SPRUCE PINE, NC 28777-6102
Document Number	631/894
Book / Page	631 / 894
Instrument Date	Aug 19, 2021
Instrument	2021001838
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11815 10TH AVE E, 11815, BRADENTON, FL 34212-2763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 154, SPRUCE PINE, NC 28777-0154

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 19, 2021
Property Address	153 CLIFF BUCHANAN RD, SPRUCE PINE, NC 28777-6102
Document Number	631/747
Book / Page	631 / 747
Instrument Date	Aug 19, 2021
Instrument	2021001815
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11815 10TH AVE E, 11815, CLERMONT, FL 34712

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	153 CLIFF BUCHANAN RD, SPRUCE PINE, NC 28777-6102

Mortgage

Document Number	2021001816
Date	Aug 19, 2021
Instrument	2021001816

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	153 CLIFF BUCHANAN RD, SPRUCE PINE, NC 28777-6102
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	578/595
Date	Mar 24, 2017
Book Page	578/595

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
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%

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	$1,976.00	$308,800 (-) Land $25,000 Building $283,800
2025	$1,976.00 (+1.59%)	$308,800 (-) Land $25,000 Building $283,800
2023	$1,945.00	$308,800 Land $25,000 Building $283,800	$308,800 Land $25,000 Building $283,800

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	1 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Frances, Sep 2004 · 2 claims

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	Moderate above 51% of the US · above 72% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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