Mitchell County property record for 217 Elm St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 880 sqft · built 1930 |
| Lot Size | 0.439 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $151 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-14-43-2787 |
| Primary APN | 0890-14-43-2787 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 880 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Construction Type | Wood |
| Foundation Type | Raised |
| Lot Area | 19,166 sqft (0.439 acres) |
| Heating System | Gravity Furnace |
|---|
| Account Number | 555556088 |
|---|---|
| Street Address | 217 ELM ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD HWY 19E |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
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 |
|---|---|
| Mailing Address | 217 ELM ST, SPRUCE PINE, NC 28777-5128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2008 |
| Deed Sale | Dec 30, 2008 |
| Deed Document Number | 0000484399 |
| Deed Book / Page | 484 / 399 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 217 ELM ST, SPRUCE PINE, NC 28777-5128 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 217 ELM ST, SPRUCE PINE, NC 28777-5128 |
| Document Number | 00000661/1 |
|---|---|
| Date | Aug 23, 2023 |
| Book Page | 661/1 |
| Instrument | 2023001700 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 5-Year TN |
| Max Rate | 11.8% |
Source: Mitchell County assessment roll, as of January 1, 2025
| 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 |
|---|---|---|
| 2025 | $151.00 (-63.26%) | $27,000 (-63.22%) Land $11,600 Building $15,400 |
| 2023 | $411.00 | $73,400 Land $11,600 Building $61,800 |
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 |
|---|---|
| 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 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% 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 53 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 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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