Mitchell County property record for 227 McHone Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 1,191 sqft |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (Jan 2015) |
| Tax Bill | $702 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0789-12-96-3007 |
| Primary APN | 0789-12-96-3007 |
|---|---|
| Alternative APN |
|
| Building Area | 1,191 sqft Living Area |
|---|
| Lot Area | 87,120 sqft (2 acres) |
|---|
| Account Number | 555725003 |
|---|---|
| Street Address | 227 MCHONE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUE HILL HEIGHTS |
| Legal Subdivision | BLUE HILL HEIGHTS |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 950400 |
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 | 227 MCHONE RD, SPRUCE PINE, NC 28777-3307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Sep 19, 2019 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Oct 26, 2017 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 2015 · Amount on Record |
| Deed Sale | Jan 7, 2015 · Amount on Record |
| Deed Document Number | 201524 |
| Deed Book / Page | 554 / 585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 227 MCHONE RD, SPRUCE PINE, NC 28777-3307 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | VETERAN EXPRESS TITLE |
| Name | Verified Name |
|---|
| Document Number | 620/288 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 620/288 |
| Instrument | 2020002090 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 227 MCHONE RD, SPRUCE PINE, NC 28777-3307 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | COMMONWEALTH USA SETTLEMENTS |
| Name | Verified Name |
|---|
| Document Number | 605/913 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 605/913 |
| Instrument | 2019001686 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 227 MCHONE RD, SPRUCE PINE, NC 28777-3307 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017002055 |
|---|---|
| Date | Oct 26, 2017 |
| Book Page | 585/320 |
| Instrument | 2017002055 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $702.00 | $154,800 (-) Land $40,500 Building $114,300 | |
| 2025 | $702.00 (+1.59%) | $154,800 (-) Land $40,500 Building $114,300 | |
| 2023 | $691.00 | $154,800 Land $40,500 Building $114,300 | $154,800 Land $40,500 Building $114,300 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
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 | 0.06% 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 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
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