Mitchell County property record for 165 Phillips Ln, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1982 |
| Square Footage | 2,284 sqft Living Area |
| Lot Size | 37,026 sqft (0.85 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $95,000 (2007) |
| Tax Bill | $1,333.00 (2025) |
| Primary APN | 0880-16-93-7787 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,284 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 1982 |
|---|---|
| Construction Type | Wood Construction |
| Lot Area | 37,026 sqft (0.85 acres) |
| Heating System | Space Heating |
|---|
| Account Number | 555555135 |
|---|---|
| Street Address | 165 PHILLIPS LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2621 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MAP 7 BLK 1 LOT 14 |
| Legal Block | 1 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
Source: Mitchell County records · APN 0880-16-93-7787
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 165 PHILLIPS LN, SPRUCE PINE, NC 28777-2621 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 29, 2024 | Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FINANCE INC |
| Nov 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Feb 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 05, 2007 · Amount on Record |
| Deed Sale | Oct 05, 2007 · Amount on Record |
| Deed Doc Number | 0000465417 |
| Deed Book / Page | 465 / 417 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 165 PHILLIPS LN, SPRUCE PINE, NC 28777-2621 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2024 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 165 PHILLIPS LN, SPRUCE PINE, NC 28777-2621 |
| Document Number | 000666/450 |
|---|---|
| Date | Feb 29, 2024 |
| Book Page | 666/450 |
| Instrument | 2024000375 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92126 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 165 PHILLIPS LN, SPRUCE PINE, NC 28777-2621 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 000651/408 |
|---|---|
| Date | Nov 14, 2022 |
| Book Page | 651/408 |
| Instrument | 2022003144 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 165 PHILLIPS LN, SPRUCE PINE, NC 28777-2621 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 000639/431 |
|---|---|
| Date | Feb 02, 2022 |
| Book Page | 639/431 |
| Instrument | 2022000209 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Feb 01, 2051 |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,333.00 (+26.35%) | $238,200 (+26.37%) Land $24,000 Building $214,200 |
| 2023 | $1,055.00 | $188,500 Land $24,000 Building $164,500 |
165 Phillips Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Mitchell County (37121C), updated May 2, 2018
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 44th percentile of exposed land nationally · 64th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,370 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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