270 Phillips Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 270 Phillips Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,188 sqft · built 1973
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Dec 2020)
Tax Bill	$932 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0890-13-04-2029`

Property Details

APN / Parcel Number

Primary APN	`0890-13-04-2029`
Alternative APN	`555783272`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area

Exterior

Year Built	Built 1973
Construction Type	Wood
Lot Area	39,204 sqft (0.9 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	555783272
Street Address	270 PHILLIPS LN
City	SPRUCE PINE
State	NC
Zip	28777-5303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 6 BLK 1 LOT 10B
Legal Block	1
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1025
Census Tract	950300

Owner

Source: Mitchell County records, as of October 16, 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 Record
Co-owner	Co-owner on Record
Mailing Address	270 PHILLIPS LN, SPRUCE PINE, NC 28777-5303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Feb 4, 2005 · Amount on Record
Deed Document Number	2020002453
Deed Book / Page	622 / 347
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Dec 30, 2020
Property Address	270 PHILLIPS LN, SPRUCE PINE, NC 28777-5303
Document Number	622/347
Book / Page	622 / 347
Instrument Date	Dec 30, 2020
Instrument	2020002453
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 PHILLIPS LN, 270, SPRUCE PINE, NC 28777-5303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 PHILLIPS LN, SPRUCE PINE, NC 28777-5303

Mortgage

Document Number	2020002454
Date	Dec 30, 2020
Instrument	2020002454

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jan 1, 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%

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of January 1, 2025

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
2025	$932.00	$166,600 (-) Land $16,000 Building $150,600
2023	$932.00	$166,600 Land $16,000 Building $150,600

Assessed value is set for property tax purposes and is not a market price estimate.

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Zito Media Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Phillips Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures