1533 Apple Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 1533 Apple Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$780 (Nov 2025)
Tax Bill	$1,560 (2026)
Deeds & Mortgages	Mar 2019 Line of Credit Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1708-00-38-0275`

Property Details

APN / Parcel Number

Primary APN	`1708-00-38-0275`
Alternative APNs	`555780924` `555786134`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	555786134
Street Address	1533 APPLE LN
City	SPRUCE PINE
State	NC
Zip	28777-5481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1114 APPLE MTN LOT 19
Legal Subdivision	APPLE MOUNTAIN SUBDIVISION
Legal Lot Number	19
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3006
Census Tract	950400

Owner

1533 Apple Ln is owned and occupied by two individuals who bought it in November 2025.

Source: Mitchell County records, as of September 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1533 APPLE LN, SPRUCE PINE, NC 28777-5481
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 7, 2025	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Apr 11, 2017	Warranty Deed, Transfer
Apr 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on File
Deed Sale	Nov 7, 2025 · Amount on File
Prior Sale	Apr 12, 2017 · Amount on File
Deed Document Number	20251901
Deed Book / Page	684 / 113
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	1533 APPLE LN, SPRUCE PINE, NC 28777-5481
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000600/389
Date	Mar 29, 2019
Book Page	600/389
Instrument	2019000529

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27603

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Nov 7, 2025
Property Address	1533 APPLE LN, SPRUCE PINE, NC 28777-5481
Document Number	000684/113
Book / Page	684 / 113
Map Reference	MB 1 PG 261A
Instrument Date	Nov 5, 2025
Instrument	2025001901
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25980 MARCELLUS HWY, DOWAGIAC, MI 49047-7422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1533 APPLE LN, SPRUCE PINE, NC 28777-5481

Mortgage

Document Number	2025001902
Date	Nov 7, 2025
Instrument	2025001902

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 11, 2017
Property Address	1533 APPLE LN, SPRUCE PINE, NC 28777-5481
Document Number	579/179
Book / Page	579 / 179
Instrument Date	Apr 11, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 56, SPRUCE PINE, NC 28777-0056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 HORSE LOVERS LN, ALTAMONTE SPRINGS, FL 32714-5804

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 12, 2017
Property Address	1533 APPLE LN, SPRUCE PINE, NC 28777-5481
Document Number	579/179
Book / Page	579 / 179
Instrument Date	Apr 11, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 56, SPRUCE PINE, NC 28777-0056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 HORSE LOVERS LN, ALTAMONTE SPRINGS, FL 32714-5804

Tax Assessment & Valuation

The 2026 property tax bill for 1533 Apple Ln was $1,560, up 9.2% from the year before.

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	$1,560.00 (+9.24%)	$243,800 (+9.23%) Land $55,000 Building $188,800
2025	$1,428.00	$223,200 Land $55,000 Building $168,200
2023	$1,535.00	$243,800 Land $55,000 Building $188,800	$243,800 Land $55,000 Building $188,800

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

Flood

FEMA maps place 1533 Apple Ln in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 1533 Apple Ln is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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