Mitchell County property record for 189 Oak Ave, Spruce Pine, NC 28777
| Property Type | Bank, Financial Building |
|---|---|
| Details | 4,242 sqft · built 1993 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,273 (2026) |
| Deeds & Mortgages | May 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-13-12-0666 |
| Primary APN | 0890-13-12-0666 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,242 sqft Total Area |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Lot Area | 37,462 sqft (0.86 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 001044486 |
|---|---|
| Street Address | 189 OAK AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2719 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Legal Description | MAP 6 BL 5 LOT 2 CC:009-2 |
| Legal Lot Number | 2 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 950300 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 400, SPRUCE PINE, NC 28777-0400 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 10, 2021 |
| Property Address | 189 OAK AVE, SPRUCE PINE, NC 28777-2719 |
| Document Number | 000627/638 |
| Book / Page | 627 / 638 |
| Instrument Date | May 10, 2021 |
| Instrument | 2021001023 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1525 W W T HARRIS BLVD, 1525, CHARLOTTE, NC 28262-8522 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 400, SPRUCE PINE, NC 28777-0400 |
| Investor | Possibly a Property Investor |
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 | $3,273.00 | $584,500 (-) Land $187,300 Building $397,200 | |
| 2025 | $3,273.00 | $584,500 (-) Land $187,300 Building $397,200 | |
| 2023 | $3,273.00 | $584,500 Land $187,300 Building $397,200 | $577,400 Land $187,300 |
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 |
|---|---|
| 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 | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures