Mitchell County property record for 186 Hillcrest Cir, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,137 sqft · built 1941 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $234,000 (Mar 2020) |
| Tax Bill | $1,417 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0880-20-81-8694 |
| Primary APN | 0880-20-81-8694 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,137 sqft Living Area |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Construction Type | Wood |
| Lot Area | 12,197 sqft (0.28 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555782911 |
|---|---|
| Street Address | 186 HILLCREST CIR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST CIRCLE LTS 8, 9 |
| Legal Subdivision | THE ENGLISH WOODS ADDITION |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 950400 |
186 Hillcrest Cir is owned and occupied by two individuals who bought it in March 2020.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 HILLCREST CIR, SPRUCE PINE, NC 28777-2955 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 17, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Mar 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on File |
| Deed Sale | Mar 20, 2020 · Amount on File |
| Prior Sale | Aug 17, 2009 · Amount on File |
| Deed Document Number | 2020454 |
| Deed Book / Page | 611 / 762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 186 HILLCREST CIR, SPRUCE PINE, NC 28777-2955 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 186 HILLCREST CIR, SPRUCE PINE, NC 28777-2955 |
| Document Number | 000645/349 |
|---|---|
| Date | Jun 17, 2022 |
| Book Page | 645/349 |
| Instrument | 2022001899 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 186 HILLCREST CIR, SPRUCE PINE, NC 28777-2955 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 634/770 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 634/770 |
| Instrument | 2021002373 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Mar 20, 2020 |
| Property Address | 186 HILLCREST CIR, SPRUCE PINE, NC 28777-2955 |
| Document Number | 611/762 |
| Book / Page | 611 / 762 |
| Map Reference | MB 1PG 26 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 2020000454 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $468.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 186 HILLCREST CIR, 186, SPRUCE PINE, NC 28777-2955 |
| Name | Verified Name |
|---|---|
| Address | 186 HILLCREST CIR, SPRUCE PINE, NC 28777-2955 |
| Document Number | 2020000455 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 2020000455 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2026 property tax bill for 186 Hillcrest Cir was $1,417.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,417.00 | $253,100 (-) Land $18,700 Building $234,400 | |
| 2025 | $1,417.00 | $253,100 Land $18,700 Building $234,400 | |
| 2023 | $1,417.00 | $253,100 Land $18,700 Building $234,400 | $253,100 Land $18,700 Building $234,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Hillcrest Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.
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 | 1 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 186 Hillcrest Cir is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 189 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 · Fiber in parts of the area | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures