228 Ridgeview Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 228 Ridgeview Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,478 sqft · built 1998
Lot Size	1.85 acres (80,586 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,636 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0789-04-82-6730`

Property Details

APN / Parcel Number

Primary APN	`0789-04-82-6730`
Alternative APN	`555783026`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,478 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	80,586 sqft (1.85 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	555783026
Street Address	228 RIDGEVIEW RD
City	SPRUCE PINE
State	NC
Zip	28777-5403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE VIEW RD
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2034
Census Tract	950400

Owner

Source: Mitchell County records, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	228 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Quit Claim Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Oct 9, 2020	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026
Deed Sale	Jul 13, 2026
Prior Sale	Oct 9, 2020 · Amount on Record
Deed Document Number	20261220
Deed Book / Page	691 / 834
Prior Transfer Date	Jul 7, 2026
Prior Transfer Doc	0000001220
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MITCHELL NC
Recording Date	Jul 13, 2026
Property Address	228 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5403
Document Number	0000001220
Book / Page	691 / 834
Instrument Date	Jul 7, 2026
Instrument	20261220
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	228 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5403

Mortgage

Document Number	0000001221,
Date	Jul 13, 2026
Instrument	20261221

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Oct 9, 2020
Property Address	228 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5403
Document Number	619/42
Book / Page	619 / 42
Instrument Date	Oct 1, 2020
Instrument	2020001857
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$779.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3741 CHIARA DR, 3741, TITUSVILLE, FL 32796-2979

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5403

Mortgage

Document Number	2020001858
Date	Oct 9, 2020
Instrument	2020001858

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,636.00 (+1.58%)	$412,000 (-) Land $61,300 Building $350,700
2023	$2,595.00	$412,000 Land $61,300 Building $350,700	$412,000 Land $61,300 Building $350,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SWISS PINE LAKES private · serves 185 people · EPA ID NC0161104
Water Source	Purchased surface water from TOWN OF SPRUCE PINE
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 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 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridgeview Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures