17 Turtle Ridge Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 17 Turtle Ridge Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Lot Size	17.6 acres (769,270 sqft)
Owner	Individual Name on Record
Last Sale	$149,000 (Sep 2020)
Tax Bill	$2,576 (2026)
Deeds & Mortgages	Dec 2020 Construction Loan Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`0799-00-81-3275`

Property Details

APN / Parcel Number

Primary APN	`0799-00-81-3275`
Alternative APN	`555782775`

Exterior

Lot Area	769,270 sqft (17.6 acres)

Location & Zoning

Account Number	555782775
Street Address	17 TURTLE RIDGE LN
City	SPRUCE PINE
State	NC
Zip	28777-0540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1117
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	Individual Name on Record
Mailing Address	13 TURTLE RIDGE LN, SPRUCE PINE, NC 28777-0540
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Intrafamily Transfer, Transfer · Construction Mortgage UNITED COMMUNITY BANK
Sep 14, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	20201614
Deed Book / Page	617 / 706
Last Transfer Date	Dec 15, 2020
Transfer Doc	0000002357
Record Updated	Oct 29, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Dec 15, 2020
Property Address	17 TURTLE RIDGE LN, SPRUCE PINE, NC 28777-0540
Document Number	000621/706
Book / Page	621 / 706
Map Reference	MB 4 PG 220
Instrument Date	Dec 15, 2020
Instrument	2020002357
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 PARKWOOD HILLS HTS, SPRUCE PINE, NC 28777-3142

Mortgage

Document Number	2020002358
Date	Dec 15, 2020
Instrument	2020002358

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Sep 14, 2020
Property Address	17 TURTLE RIDGE LN, SPRUCE PINE, NC 28777-0540
Document Number	000617/706
Book / Page	617 / 706
Instrument Date	Sep 14, 2020
Instrument	2020001614
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Tax	$298.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 CEDAR MOUNTAIN RD, ASHEVILLE, NC 28803-9671

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	178 PARKWOOD HILLS HTS, SPRUCE PINE, NC 28777-3142

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	$2,576.00	$402,600 (-) Land $160,300 Building $242,300
2025	$2,576.00 (+1.58%)	$402,600 (-) Land $160,300 Building $242,300
2023	$2,536.00	$402,600 Land $160,300 Building $242,300	$402,600 Land $160,300 Building $242,300

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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