1649 Carters Ridge Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 1649 Carters Ridge Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,612 sqft · built 1961
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Dec 2021)
Tax Bill	$1,265 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0799-00-70-4978`

Property Details

APN / Parcel Number

Primary APN	`0799-00-70-4978`
Alternative APN	`555782937`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,612 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Lot Area	56,628 sqft (1.3 acres)

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Account Number	555782937
Street Address	1649 CARTERS RIDGE RD
City	SPRUCE PINE
State	NC
Zip	28777-8522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1117
Legal Subdivision	JERRY L BALL
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3013
Census Tract	950400

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	212 S MITCHELL AVE, BAKERSVILLE, NC 28705-8486
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Dec 18, 2020	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Aug 28, 2017	Special Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	20213017
Deed Book / Page	638 / 297
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Dec 30, 2021
Property Address	1649 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-8522
Document Number	000638/297
Book / Page	638 / 297
Instrument Date	Dec 29, 2021
Instrument	2021003017
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	720 HUNTER CREST RD, 720, MARYVILLE, TN 37803-6900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-8522

Mortgage

Document Number	2021003018
Date	Dec 30, 2021
Instrument	2021003018

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	1649 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 HUNTER CREST RD, MARYVILLE, TN 37803-6900

Mortgage

Document Number	621/860
Date	Dec 18, 2020
Book Page	621/860
Instrument	2020002380

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 27, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 28, 2017
Property Address	1649 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-8522
Document Number	583/175
Book / Page	583 / 175
Instrument Date	Aug 25, 2017
Instrument	2017001566
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	48 CEDAR MOUNTAIN RD, 48, ASHEVILLE, NC 28803-9671

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-8522

Mortgage

Document Number	583/177
Date	Aug 28, 2017
Book Page	583/177
Instrument	2017001567

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$1,265.00	$197,800 (-) Land $31,100 Building $166,700
2025	$1,265.00 (+1.52%)	$197,800 (-) Land $31,100 Building $166,700
2023	$1,246.00	$197,800 Land $31,100 Building $166,700	$197,800 Land $31,100 Building $166,700

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	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

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

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable	400 / 24
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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