Mitchell County property record for 195 Dale Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,960 sqft · built 1996 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380 (May 2021) |
| Tax Bill | $1,192 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-30-4630 |
| Primary APN | 0799-03-30-4630 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,960 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 43,996 sqft (1.01 acres) |
| Heating System | Central |
|---|
| Account Number | 555783583 |
|---|---|
| Street Address | 195 DALE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF DALE ROAD |
| Legal Subdivision | SPRUCE PINE |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 950400 |
195 Dale Rd is owned and occupied by two individuals who bought it in May 2021.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 DALE RD, SPRUCE PINE, NC 28777-9746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| May 28, 2021 | Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Mar 2, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2021 · Amount on File |
| Deed Sale | May 28, 2021 · Amount on File |
| Prior Sale | Dec 15, 2009 · Amount on File |
| Deed Document Number | 20211160 |
| Deed Book / Page | 628 / 310 |
| Prior Transfer Date | Feb 24, 2017 |
| Prior Transfer Doc | 000578/104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 195 DALE RD, SPRUCE PINE, NC 28777-9746 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Title Company | FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TTL NATL SLN |
| Name | Verified Name |
|---|
| Document Number | 0000683/48 |
|---|---|
| Date | Oct 9, 2025 |
| Book Page | 683/48 |
| Instrument | 2025001707 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 28, 2021 |
| Property Address | 195 DALE RD, SPRUCE PINE, NC 28777-9746 |
| Document Number | 000628/310 |
| Book / Page | 628 / 310 |
| Map Reference | FILE 96-195 |
| Instrument Date | May 21, 2021 |
| Instrument | 2021001160 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 195 DALE RD, 195, SPRUCE PINE, NC 28777-9746 |
| Name | Verified Name |
|---|---|
| Address | 195 DALE RD, SPRUCE PINE, NC 28777-9746 |
| Document Number | 2021001161 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 2021001161 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Mar 2, 2017 |
| Property Address | 195 DALE RD, SPRUCE PINE, NC 28777-9746 |
| Document Number | 000578/104 |
| Book / Page | 578 / 104 |
| Instrument Date | Feb 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 195 DALE RD, 195, SPRUCE PINE, NC 28777-9746 |
| Name | Verified Name |
|---|---|
| Address | 195 DALE RD, SPRUCE PINE, NC 28777-9746 |
| Document Number | 000578/107 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 578/107 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2027 |
The 2026 property tax bill for 195 Dale Rd was $1,192.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,192.00 | $186,400 (-) Land $27,300 Building $159,100 | |
| 2025 | $1,192.00 | $186,400 Land $27,300 Building $159,100 | |
| 2023 | $1,174.00 | $186,400 Land $27,300 Building $159,100 | $186,400 Land $27,300 Building $159,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Dale Rd in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 195 Dale Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
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 | 0.07% 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 70 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 | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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