Mitchell County property record for 21 Duncan St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,200 sqft · built 1954 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $87,000 (Mar 2015) |
| Tax Bill | $610 (2026) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-07-59-6600 |
| Primary APN | 0799-07-59-6600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Wood |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 555727667 |
|---|---|
| Street Address | 21 DUNCAN ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALTAPASS RD |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3012 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 21 DUNCAN ST, SPRUCE PINE, NC 28777-8932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2015 · Amount on Record |
| Deed Sale | Mar 5, 2015 · Amount on Record |
| Deed Document Number | 2015433 |
| Deed Book / Page | 556 / 31 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 11, 2026 |
| Property Address | 21 DUNCAN ST, SPRUCE PINE, NC 28777-8932 |
| Document Number | 0000000814 |
| Book / Page | 689 / 802 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026814 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | 2020 TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 21 DUNCAN ST, SPRUCE PINE, NC 28777-8932 |
| Document Number | 0000000814, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 689/802 |
| Instrument | 2026814 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $610.00 | $109,100 (-) Land $9,700 Building $99,400 | |
| 2025 | $610.00 | $109,100 (-) Land $9,700 Building $99,400 | |
| 2023 | $610.00 | $109,100 Land $9,700 Building $99,400 | $109,100 Land $9,700 Building $99,400 |
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 Claims | 2 (1983–1996) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1996 · rainfall accumulation |
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 43% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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 34 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 | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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