Mitchell County property record for 265 Pine Tree Rd, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1991 |
| Square Footage | 988 sqft Living Area |
| Lot Size | 57,064 sqft (1.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $165,000 (2020) |
| Tax Bill | $1,182.00 (2025) |
| Primary APN | 0778-00-11-4928 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 988 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1991 |
|---|---|
| Construction Type | Wood Construction |
| Foundation Type | Raised Foundation |
| Lot Area | 57,064 sqft (1.3 acres) |
| Heating System | Central Heating |
|---|
| Account Number | 555783228 |
|---|---|
| Street Address | 265 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 0778-00-11-4928
Assessment roll updated January 1, 2025 · Last verified October 2025
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| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 265 PINE TREE RD, SPRUCE PINE, NC 28777-0577 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on Record |
| Deed Sale | Dec 18, 2020 · Amount on Record |
| Deed Doc Number | 2020002393 |
| Deed Book / Page | 621 / 930 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Dec 18, 2020 |
| Property Address | 265 PINE TREE RD, SPRUCE PINE, NC 28777-0577 |
| Document Number | 621/930 |
| Book / Page | 621 / 930 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 2020002393 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 265 PINE TREE RD, SPRUCE PINE, NC 28777-0577 |
| Document Number | 2020002394 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 2020002394 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Jan 01, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.37% |
| Index | 5-Year CMT |
| Max Rate | 10.3% |
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 | $1,182.00 (+1.63%) | $184,700 (-) Land $38,100 Building $146,600 |
| 2023 | $1,163.00 | $184,700 Land $38,100 Building $146,600 |
265 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 50th percentile of exposed land nationally · 72nd in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 971 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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