Mitchell County property record for 261 Phillips Ln, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1938 |
| Square Footage | 848 sqft Living Area |
| Lot Size | 13,939 sqft (0.32 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $132,000 (2021) |
| Tax Bill | $726.00 (2025) |
| Primary APN | 0890-13-04-0220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 848 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Construction Type | Wood Construction |
| Lot Area | 13,939 sqft (0.32 acres) |
| Heating System | Central Heating |
|---|
| Account Number | 555783728 |
|---|---|
| Street Address | 261 PHILLIPS LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5304 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MAP 7 BLK 1 LOT 13A |
| Legal Block | 1 |
| Legal Lot Number | 13A |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
Source: Mitchell County records · APN 0890-13-04-0220
Assessment roll updated October 17, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 261 PHILLIPS LN, SPRUCE PINE, NC 28777-5304 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 04, 2021 · Amount on Record |
| Deed Sale | Aug 04, 2021 · Amount on Record |
| Prior Sale | Apr 05, 2013 · Amount on Record |
| Deed Doc Number | 20211679 |
| Deed Book / Page | 631 / 11 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 04, 2021 |
| Property Address | 261 PHILLIPS LN, SPRUCE PINE, NC 28777-5304 |
| Document Number | 631/11 |
| Book / Page | 631 / 11 |
| Instrument Date | Aug 04, 2021 |
| Instrument | 2021001679 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 261 PHILLIPS LN, 261, SPRUCE PINE, NC 28777-5304 |
| Name | Verified Name |
|---|---|
| Address | 261 PHILLIPS LN, SPRUCE PINE, NC 28777-5304 |
| Document Number | 2021001680 |
|---|---|
| Date | Aug 04, 2021 |
| Instrument | 2021001680 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Sep 01, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Index | 5-Year CMT |
| Max Rate | 9.15% |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $726.00 | $129,800 (-) Land $16,000 Building $113,800 | |
| 2023 | $726.00 | $129,800 Land $16,000 Building $113,800 | $129,800 Land $16,000 Building $113,800 |
261 Phillips Ln 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 49th percentile of exposed land nationally · 70th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,020 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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