Mitchell County property record for 208 Terrace Ct, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Individual Name on File |
| Last Sale | $99,000 (Aug 2023) |
| Tax Bill | $986 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0880-15-73-3246 |
| Primary APN | 0880-15-73-3246 |
|---|---|
| Alternative APNs |
|
| Lot Area | 27,443 sqft (0.63 acres) |
|---|
| Account Number | 555785086 |
|---|---|
| Street Address | 208 TERRACE CT |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5584 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0880-15-73-3246
Assessment roll updated January 1, 2025 · Last verified October 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 File |
|---|---|
| Mailing Address | 208 TERRACE CT, SPRUCE PINE, NC 28777-5584 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 16, 2023 · Amount on Record |
| Deed Sale | Aug 16, 2023 · Amount on Record |
| Prior Sale | Jul 15, 2009 |
| Deed Document Number | 2023001652 |
| Deed Book / Page | 660 / 728 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 16, 2023 |
| Property Address | 208 TERRACE CT, SPRUCE PINE, NC 28777-5584 |
| Document Number | 000660/728 |
| Book / Page | 660 / 728 |
| Instrument Date | Aug 16, 2023 |
| Instrument | 2023001652 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $198.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 240 WINDOM CV, BURNSVILLE, NC 28714-8689 |
| Name | Verified Name |
|---|---|
| Address | 208 TERRACE CT, SPRUCE PINE, NC 28777-5584 |
| Document Number | 000660/731 |
|---|---|
| Date | Aug 16, 2023 |
| Book Page | 660/731 |
| Instrument | 2023001653 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.65% |
| Type Change Date | Sep 01, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.65% |
| Index | 5-Year CMT |
| Max Rate | 11.6% |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $986.00 | $176,100 (-) Land $21,800 Building $154,300 |
| 2023 | $986.00 | $176,100 Land $21,800 Building $154,300 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371219504001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024, river or lake flooding, Tropical Storm Helene |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 44% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,408 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 82 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Zito West Holding | Fiber | 1,000 / 1,000 |
| Zito West Holding | Cable | 400 / 24 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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