185 Creed Pitman Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 185 Creed Pitman Rd, Spruce Pine, NC 28777 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,365 sqft · built 1979
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on File
Last Sale	$171,000 (Apr 2021)
Tax Bill	$939 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0880-15-72-2958`

Property Details

APN / Parcel Number

Primary APN	`0880-15-72-2958`
Alternative APNs	`2016749000` `555783482`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,365 sqft Living Area

Exterior

Year Built	Built 1979
Construction Type	Wood
Foundation Type	Raised
Lot Area	29,621 sqft (0.68 acres)

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	555783482
Street Address	185 CREED PITMAN RD
City	SPRUCE PINE
State	NC
Zip	28777-8666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 1 LOT 2
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1000
Census Tract	950400

Owner

Source: Mitchell County records · APN 0880-15-72-2958

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
Co-owner	Verified Secondary Owner
Mailing Address	185 CREED PITMAN RD, SPRUCE PINE, NC 28777-8666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 27, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 27, 2021 · Amount on Record
Deed Sale	Apr 27, 2021 · Amount on Record
Deed Document Number	2021000886
Deed Book / Page	626 / 904
Record Updated	Jun 08, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	185 CREED PITMAN RD, SPRUCE PINE, NC 28777-8666
Transaction Type	Mortgage
Record Updated	May 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000656/622
Date	Apr 20, 2023
Book Page	656/622
Instrument	2023000821

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MARION, NC 28752

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 27, 2021
Property Address	185 CREED PITMAN RD, SPRUCE PINE, NC 28777-8666
Document Number	626/904
Book / Page	626 / 904
Instrument Date	Apr 27, 2021
Instrument	2021000886
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	317 RIDGE RD, 317, SPRUCE PINE, NC 28777-6014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CREED PITMAN RD, SPRUCE PINE, NC 28777-8666

Mortgage

Document Number	2021000887
Date	Apr 27, 2021
Instrument	2021000887

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 01, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	5-Year TN
Max Rate	9.75%

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$939.00	$167,800 (-) Land $28,900 Building $138,900
2023	$939.00	$167,800 Land $28,900 Building $138,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371219504001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm	Tropical Storm Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Moderate above 44% of the US · above 64% of North Carolina
Wildfire Likelihood	About 1 in 1,408 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 82 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Zito West Holding	Fiber	1,000 / 1,000
Zito West Holding	Cable	400 / 24
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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