Mitchell County property record for 235 Pine Tree Rd, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,304 sqft Living Area |
| Lot Size | 57,064 sqft (1.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $160,000 (2019) |
| Tax Bill | $1,612.00 (2025) |
| Primary APN | 0778-00-11-4757 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,304 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1995 |
|---|---|
| Construction Type | Wood Construction |
| Lot Area | 57,064 sqft (1.3 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 555683156 |
|---|---|
| Street Address | 235 PINE TREE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-0577 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1100 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2052 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0778-00-11-4757
Assessment roll updated January 1, 2025 · Last verified October 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 235 PINE TREE RD, SPRUCE PINE, NC 28777-0577 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| May 09, 2019 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 09, 2019 · Amount on Record |
| Deed Sale | May 09, 2019 · Amount on Record |
| Deed Doc Number | 2019000820 |
| Deed Book / Page | 601 / 766 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 235 PINE TREE RD, SPRUCE PINE, NC 28777-0577 |
| Transaction Type | Mortgage |
| Record Updated | Jul 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 629/380 |
|---|---|
| Date | Jun 24, 2021 |
| Book Page | 629/380 |
| Instrument | 2021001358 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 09, 2019 |
| Property Address | 235 PINE TREE RD, SPRUCE PINE, NC 28777-0577 |
| Document Number | 601/766 |
| Book / Page | 601 / 766 |
| Instrument Date | May 09, 2019 |
| Instrument | 2019000820 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2036 MCKINNEY COVE RD, 2036, BAKERSVILLE, NC 28705-0379 |
| Name | Verified Name |
|---|---|
| Address | 235 PINE TREE RD, SPRUCE PINE, NC 28777-0577 |
| Document Number | 2019000821 |
|---|---|
| Date | May 09, 2019 |
| Instrument | 2019000821 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.85% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,612.00 (+1.58%) | $252,000 (-) Land $38,100 Building $213,900 |
| 2023 | $1,587.00 | $252,000 Land $38,100 Building $213,900 |
235 Pine Tree Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Mitchell County (37121C), updated May 2, 2018
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 51st percentile of exposed land nationally · 73rd in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,064 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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