155 Woods Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 155 Woods Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,924 sqft · built 1994
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,000 (Apr 2021)
Tax Bill	$2,065 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0799-03-04-2326`

Property Details

APN / Parcel Number

Primary APN	`0799-03-04-2326`
Alternative APN	`555783398`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,924 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Lot Area	16,988 sqft (0.39 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555783398
Street Address	155 WOODS RD
City	SPRUCE PINE
State	NC
Zip	28777-9767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLD SPRINGS WOODS
Legal Subdivision	COLD SPRING WOODS SECTION
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2029
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	155 WOODS RD, SPRUCE PINE, NC 28777-9767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Apr 16, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Jun 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	2021807
Deed Book / Page	626 / 530
Prior Transfer Date	Oct 26, 2009
Prior Transfer Doc	000496/798
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Recording Date	Aug 27, 2026
Property Address	155 WOODS RD, SPRUCE PINE, NC 28777-9767
Document Number	0000001508
Book / Page	693 / 298
Instrument Date	Aug 11, 2026
Instrument	20261508
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 WOODS RD, SPRUCE PINE, NC 28777-9767

Mortgage

Document Number	0000001508,
Date	Aug 27, 2026
Book Page	693/298
Instrument	20261508

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 14, 2051

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Recording Date	Jul 2, 2026
Property Address	155 WOODS RD, SPRUCE PINE, NC 28777-9767
Document Number	0000001147
Book / Page	691 / 424
Instrument Date	Jun 1, 2026
Instrument	20261147
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 WOODS RD, SPRUCE PINE, NC 28777-9767

Mortgage

Document Number	0000001147,
Date	Jul 2, 2026
Book Page	691/424
Instrument	20261147

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 5, 2051

Interest

Rate	6.3%
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 16, 2021
Property Address	155 WOODS RD, SPRUCE PINE, NC 28777-9767
Document Number	000626/530
Book / Page	626 / 530
Map Reference	MB 1 PG 127&127A
Instrument Date	Apr 15, 2021
Instrument	2021000807
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1623 SILVER SLIPPER AVE, 1623, HENDERSON, NV 89002-9334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 KILLEAN PARK, ALBANY, NY 12205-4036

Mortgage

Document Number	2021000808
Date	Apr 16, 2021
Instrument	2021000808

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	May 1, 2031
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	7.12%
Index	6-Month T-Bill
Max Rate	7.12%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jun 16, 2017
Property Address	155 WOODS RD, SPRUCE PINE, NC 28777-9767
Document Number	000580/897
Book / Page	580 / 897
Map Reference	MB 496 PG 798
Instrument Date	Jun 14, 2017
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount Recorded
Tax	$538.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4272 BELLAIRE DR, 4272, HERNANDO BEACH, FL 34607-3201

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	520 FIREFLY DR, BURNSVILLE, NC 28714-7468
Investor	Possibly a Property Investor

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	$2,065.00	$322,700 (-) Land $40,000 Building $282,700
2025	$2,065.00 (+1.57%)	$322,700 (-) Land $40,000 Building $282,700
2023	$2,033.00	$322,700 Land $40,000 Building $282,700	$322,700 Land $40,000 Building $282,700

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 52% 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 and 4G LTE (outdoors only)

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