188 Waterside Loop, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 188 Waterside Loop, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Lot Size	2.78 acres (121,097 sqft)
Owner	2 Individual Names on File
Last Sale	$54,000 (Nov 2013)
Tax Bill	$3,056 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0860-00-72-8782`

Property Details

APN / Parcel Number

Primary APN	`0860-00-72-8782`
Alternative APN	`555556576`

Exterior

Lot Area	121,097 sqft (2.78 acres)

Location & Zoning

Account Number	555556576
Street Address	188 WATERSIDE LOOP
City	SPRUCE PINE
State	NC
Zip	28777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERSIDE LOOP; LOT # 11 GRACE RIDGE
Legal Subdivision	GRACE RIDGE
Legal Lot Number	11
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1013
Census Tract	950400

Owner

Source: Mitchell County assessment roll, as of October 17, 2025

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 File
Mailing Address	141 CLUB DR, MOORESVILLE, NC 28115-3443
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · Line of Credit BLUEHARBOR BANK
Jan 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2013 · Amount on Record
Deed Sale	Nov 18, 2013 · Amount on Record
Prior Sale	Apr 23, 2009 · Amount on Record
Deed Book / Page	543 / 22
Last Transfer Date	Jan 24, 2020
Transfer Doc	000610/261
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	188 WATERSIDE LOOP, SPRUCE PINE, NC 28777
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 CLUB DR, MOORESVILLE, NC 28115-3443

Mortgage

Document Number	000664/210
Date	Dec 6, 2023
Book Page	664/210
Instrument	2023002419

Lender

Name	BLUEHARBOR BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Jan 24, 2020
Property Address	188 WATERSIDE LOOP, SPRUCE PINE, NC 28777
Document Number	000610/261
Book / Page	610 / 261
Map Reference	MB 3 PG 177&178
Instrument Date	Jan 24, 2020
Instrument	2020000129
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 311, MOUNT MOURNE, NC 28123-0311

Mortgage

Document Number	2020000130
Date	Jan 24, 2020
Instrument	2020000130

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of October 17, 2025

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
2025	$3,056.00 (+1.6%)	$477,500 (-) Land $65,600 Building $411,900
2023	$3,008.00	$477,500 Land $65,600 Building $411,900	$477,500 Land $65,600 Building $411,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Tropical Storm Frances, Sep 2004 · 2 claims

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 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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