154 Hilltop Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 154 Hilltop Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1948
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Aug 2012)
Tax Bill	$530 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0890-17-01-2021`

Property Details

APN / Parcel Number

Primary APN	`0890-17-01-2021`
Alternative APN	`555783978`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555783978
Street Address	154 HILLTOP LN
City	SPRUCE PINE
State	NC
Zip	28777-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 55 BL 1 LOT 4
Legal Subdivision	LIN CARPENTER PROPERTY
Legal Lot Number	4
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1035
Census Tract	950400

Owner

154 Hilltop Ln is owned and occupied by an individual who bought it in August 2012.

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

Owner of Record	Individual Name on File
Mailing Address	154 HILLTOP LN, SPRUCE PINE, NC 28777-2920
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2012 · Amount on File
Deed Sale	Aug 22, 2012 · Amount on File
Prior Sale	May 10, 2012 · Amount on File
Deed Book / Page	525 / 963
Prior Transfer Date	Apr 17, 2012
Prior Transfer Doc	522/300
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Dec 8, 2021
Property Address	154 HILLTOP LN, SPRUCE PINE, NC 28777-2920
Document Number	000637/219
Book / Page	637 / 219
Instrument Date	Dec 7, 2021
Instrument	2021002837
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 PONDEROSA RD, 244, SPRUCE PINE, NC 28777-8985

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 HILLTOP LN, SPRUCE PINE, NC 28777-2920

Mortgage

Document Number	2021002838
Date	Dec 8, 2021
Instrument	2021002838

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jan 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

The 2026 property tax bill for 154 Hilltop Ln was $530.

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	$530.00	$94,800 (-) Land $19,800 Building $75,000
2025	$530.00	$94,800 Land $19,800 Building $75,000
2023	$530.00	$94,800 Land $19,800 Building $75,000	$94,800 Land $19,800 Building $75,000

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

Flood

FEMA maps place 154 Hilltop Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

Wildfire risk around 154 Hilltop Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 189 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 · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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