Mitchell County property record for 27 Cardinal Ln, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,082 sqft · built 1980 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $883 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-02-95-6936 |
| Primary APN | 0890-02-95-6936 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,082 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Lot Area | 28,314 sqft (0.65 acres) |
| Heating System | Central |
|---|
| Account Number | 001091362 |
|---|---|
| Street Address | 27 CARDINAL LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4B TRACT 1 AVERY CO H |
| Legal Tract | 1 |
| Legal Lot Number | 4B |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950300 |
27 Cardinal Ln is owned and occupied by two individuals.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 27 CARDINAL LN, SPRUCE PINE, NC 28777-8358 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 27 Cardinal Ln was $883.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $883.00 | $138,000 (-) Land $16,000 Building $122,000 | |
| 2025 | $883.00 | $138,000 Land $16,000 Building $122,000 | |
| 2023 | $869.00 | $138,000 Land $16,000 Building $122,000 | $138,000 Land $16,000 Building $122,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 Cardinal Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.
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 | 1 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 27 Cardinal Ln is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Zito Media.
5G (outdoors only) and 4G LTE
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