Mitchell County property record for 175 Watson Dr, Spruce Pine, NC 28777 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,040 sqft Living Area |
| Lot Size | 41,382 sqft (0.95 acres) |
| Last Sale | $1,000,000 (2026) |
| Tax Bill | $1,882.00 (2025) |
| Primary APN | 0880-16-72-5147 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,040 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 41,382 sqft (0.95 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 555554170 |
|---|---|
| Street Address | 175 WATSON DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-7100 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GREENWOOD ROAD |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0880-16-72-5147
Assessment roll updated October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 6676, ASHEVILLE, NC 28816-6676 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 06, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Jun 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| May 23, 2019 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Aug 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on Record |
| Deed Sale | Jun 15, 2026 · Amount on Record |
| Deed Doc Number | 20261018 |
| Deed Book / Page | 690 / 793 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jun 15, 2026 |
| Property Address | 175 WATSON DR, SPRUCE PINE, NC 28777-7100 |
| Document Number | 0000001018 |
| Book / Page | 690 / 793 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20261018 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $202,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 175 WATSON DR, SPRUCE PINE, NC 28777-7100 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 175 WATSON DR, SPRUCE PINE, NC 28777-7100 |
| Document Number | 0000642/25 |
|---|---|
| Date | Apr 06, 2022 |
| Book Page | 642/25 |
| Instrument | 2022000725 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | NEWLAND, NC 28657 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Mar 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 175 WATSON DR, SPRUCE PINE, NC 28777-7100 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2020 |
| Name | Verified Name |
|---|
| Document Number | 615/630 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 615/630 |
| Instrument | 2020001230 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 175 WATSON DR, SPRUCE PINE, NC 28777-7100 |
| Transaction Type | Mortgage |
| Record Updated | Jul 05, 2019 |
| Name | Verified Name |
|---|
| Document Number | 603/192 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 603/192 |
| Instrument | 2019001123 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 175 WATSON DR, SPRUCE PINE, NC 28777-7100 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2019 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 602/318 |
|---|---|
| Date | May 23, 2019 |
| Book Page | 602/318 |
| Instrument | 2019000924 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 02, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 175 WATSON DR, SPRUCE PINE, NC 28777-7100 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017001603 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 583/374 |
| Instrument | 2017001603 |
| Name | UNITED COMMUNITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | Blairsville, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2032 |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| 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, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,882.00 | $336,200 (-) Land $27,200 Building $309,000 | |
| 2023 | $1,882.00 | $336,200 Land $27,200 Building $309,000 | $336,200 Land $27,200 Building $309,000 |
175 Watson Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low 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 | Low 37th percentile of exposed land nationally · 52nd in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,961 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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