Mitchell County property record for 178 Brook Haven Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1987 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,756 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-43-1762 |
| Primary APN | 0799-03-43-1762 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Wood |
| Lot Area | 30,492 sqft (0.7 acres) |
| Heating System | Central |
|---|
| Account Number | 004003174 |
|---|---|
| Street Address | 178 BROOK HAVEN DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RED OAK HILLS |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 950400 |
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 | 178 BROOK HAVEN DR, SPRUCE PINE, NC 28777-8508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 6, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 178 BROOK HAVEN DR, SPRUCE PINE, NC 28777-8508 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000661/35 |
|---|---|
| Date | Aug 24, 2023 |
| Book Page | 661/35 |
| Instrument | 2023001704 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 178 BROOK HAVEN DR, SPRUCE PINE, NC 28777-8508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 593/660 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 593/660 |
| Instrument | 2018001334 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 24, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,756.00 | $274,500 (-) Land $25,000 Building $249,500 | |
| 2025 | $1,756.00 (+11.85%) | $274,500 (+10.11%) Land $25,000 Building $249,500 | |
| 2023 | $1,570.00 | $249,300 Land $25,000 Building $224,300 | $249,300 Land $25,000 Building $224,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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