246 Tappan St, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 246 Tappan St, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,680 sqft · built 1928
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$88,000 (Jun 2019)
Tax Bill	$1,032 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0890-17-11-2377`

Property Details

APN / Parcel Number

Primary APN	`0890-17-11-2377`
Alternative APN	`555551749`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	555551749
Street Address	246 TAPPAN ST
City	SPRUCE PINE
State	NC
Zip	28777-2967
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 52 BL 3 LOT 7
Legal Subdivision	SOUTH SPRUCE PINE
Legal Lot Number	7
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1022
Census Tract	950400

Owner

Source: Mitchell County records, as of September 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 986, SPRUCE PINE, NC 28777-0986
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SKYLINE NATIONAL BANK
Jun 11, 2019	Warranty Deed, Transfer · Line of Credit SKYLINE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Deed Document Number	20191023
Deed Book / Page	602 / 726
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	246 TAPPAN ST, SPRUCE PINE, NC 28777-2967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	611/346
Date	Mar 9, 2020
Book Page	611/346
Instrument	2020000374

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	HICKORY, NC 28601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jun 11, 2019
Property Address	246 TAPPAN ST, SPRUCE PINE, NC 28777-2967
Document Number	602/726
Book / Page	602 / 726
Map Reference	MB 79 PG 523
Instrument Date	Jun 11, 2019
Instrument	2019001023
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 HINSON THOMAS RD, SPRUCE PINE, NC 28777-8493

Mortgage

Document Number	2019001024
Date	Jun 11, 2019
Instrument	2019001024

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,032.00	$184,400 (-) Land $22,000 Building $162,400
2025	$1,032.00	$184,400 (-) Land $22,000 Building $162,400
2023	$1,032.00	$184,400 Land $22,000 Building $162,400	$184,400 Land $22,000 Building $162,400

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
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	4 (2004–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Frances, Sep 2004 · 2 claims

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	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 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 · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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