Mitchell County property record for 2196 Penland Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 952 sqft · built 1960 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $928 (2026) |
| Deeds & Mortgages | Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0870-00-75-7949 |
| Primary APN | 0870-00-75-7949 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Mobile Home |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 50,965 sqft (1.17 acres) |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 555677939 |
|---|---|
| Street Address | 2196 PENLAND RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-6407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1162 PENLAND ROAD |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 950400 |
2196 Penland Rd, a single family home, is owned by an individual.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 243, PENLAND, NC 28765-0243 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 2196 PENLAND RD, SPRUCE PINE, NC 28777-6407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 578/148 |
|---|---|
| Date | Mar 3, 2017 |
| Book Page | 578/148 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 216 Months |
| Due | Mar 1, 2035 |
The 2026 property tax bill for 2196 Penland Rd was $928.
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 | $928.00 | $142,000 (-) Land $26,400 Building $115,600 | |
| 2025 | $928.00 | $142,000 Land $26,400 Building $115,600 | |
| 2023 | $914.00 | $142,000 Land $26,400 Building $115,600 | $142,000 Land $26,400 Building $115,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2196 Penland Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 2196 Penland Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 71% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures