1870 US 19e, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 1870 US 19e, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	1,296 sqft · built 1946
Lot Size	10.2 acres (444,748 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jun 2020)
Tax Bill	$1,651 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0779-00-77-6280`

Property Details

APN / Parcel Number

Primary APN	`0779-00-77-6280`
Alternative APN	`555782699`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,296 sqft Total Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	444,748 sqft (10.2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	555782699
Street Address	1870 US 19E
City	SPRUCE PINE
State	NC
Zip	28777-8656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF 19E
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2021
Census Tract	950400

Owner

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	Individual Name on Record
Mailing Address	111 PINE RUN RDG, SPRUCE PINE, NC 28777-8443
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 1, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 7, 2020	Deed of Trust, Mortgage · FHA Mortgage CONSUMER REAL ESTATE FINANCE CO
Jun 24, 2020	Warranty Deed, Transfer · FHA Mortgage CONSUMER REAL ESTATE FINANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Deed Document Number	2020996
Deed Book / Page	614 / 560
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	1870 US 19E, SPRUCE PINE, NC 28777-8656
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 US 19E, SPRUCE PINE, NC 28777-8656

Mortgage

Document Number	000663/886
Date	Nov 28, 2023
Book Page	663/886
Instrument	2023002306

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2063

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	1870 US 19E, SPRUCE PINE, NC 28777-8656
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 US 19E, SPRUCE PINE, NC 28777-8656

Mortgage

Document Number	000644/855
Date	Jun 1, 2022
Book Page	644/855
Instrument	2022001789

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	1870 US 19E, SPRUCE PINE, NC 28777-8656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	614/865
Date	Jul 7, 2020
Book Page	614/865
Instrument	2020001071

Lender

Name	CONSUMER REAL ESTATE FINANCE CO
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33304

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jun 24, 2020
Property Address	1870 US 19E, SPRUCE PINE, NC 28777-8656
Document Number	614/560
Book / Page	614 / 560
Instrument Date	Jun 19, 2020
Instrument	2020000996
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 PADDINGTON DR SW, 107, CONCORD, NC 28025-5795

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 PINE RUN RIDGE RD, SPRUCE PINE, NC 28777-8443

Mortgage

Document Number	2020000997
Date	Jun 24, 2020
Instrument	2020000997

Lender

Name	CONSUMER REAL ESTATE FINANCE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$1,651.00	$258,000 (-) Land $80,300 Building $177,700
2025	$1,651.00 (+1.6%)	$258,000 (-) Land $80,300 Building $177,700
2023	$1,625.00	$258,000 Land $80,300 Building $177,700	$258,000 Land $80,300 Building $177,700

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	3 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 48% of the US · above 70% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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