Mitchell County property record for 194 Oakdale Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,501 sqft · built 1948 |
| Lot Size | 2.59 acres (113,256 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $159,000 (Aug 2018) |
| Tax Bill | $1,816 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-09-05-8676 |
| Primary APN | 0799-09-05-8676 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,501 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Construction Type | Wood |
| Lot Area | 113,256 sqft (2.59 acres) |
| Heating System | Central |
|---|
| Account Number | 555781443 |
|---|---|
| Street Address | 194 OAKDALE DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BURLESON HILL |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 950400 |
Source: Mitchell County records, as of October 16, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 194 OAKDALE DR, SPRUCE PINE, NC 28777-3420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2024 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARC HOME LLC |
| Aug 9, 2018 | Special Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2018 · Amount on Record |
| Deed Sale | Aug 9, 2018 · Amount on Record |
| Deed Document Number | 2018001363 |
| Deed Book / Page | 593 / 814 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 194 OAKDALE DR, SPRUCE PINE, NC 28777-3420 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 000664/740 |
|---|---|
| Date | Jan 2, 2024 |
| Book Page | 664/740 |
| Instrument | 2024000001 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 194 OAKDALE DR, SPRUCE PINE, NC 28777-3420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Title Company | FIRST CHOICE TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 623/326 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 623/326 |
| Instrument | 2021000176 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 9, 2018 |
| Property Address | 194 OAKDALE DR, SPRUCE PINE, NC 28777-3420 |
| Document Number | 593/814 |
| Book / Page | 593 / 814 |
| Map Reference | DD173 PG365 |
| Instrument Date | Aug 9, 2018 |
| Instrument | 2018001363 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 194 OAKDALE DR, 194, SPRUCE PINE, NC 28777-3420 |
| Name | Verified Name |
|---|---|
| Address | 194 OAKDALE DR, SPRUCE PINE, NC 28777-3420 |
| Document Number | 2018001364 |
|---|---|
| Date | Aug 9, 2018 |
| Instrument | 2018001364 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Mitchell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,816.00 (+1.57%) | $283,900 (-) Land $48,600 Building $235,300 |
| 2023 | $1,788.00 | $283,900 Land $48,600 Building $235,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Zito Media Fiber · Cable | 1,000 / 1,000 |
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