Mitchell County property record for 286 Overlook Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.24 acres (54,014 sqft) |
| Owner | Individual Name on File |
| Last Sale | $414,000 (Mar 2025) |
| Tax Bill | $1,468 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-06-48-2719 |
| Primary APN | 0799-06-48-2719 |
|---|---|
| Alternative APNs |
|
| Lot Area | 54,014 sqft (1.24 acres) |
|---|
| Account Number | 555785778 |
|---|---|
| Street Address | 286 OVERLOOK DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OVERLOOK DRIVE |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 950300 |
Source: Mitchell County assessment roll, as of January 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 286 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 3, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Mar 11, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 11, 2025 · Amount on Record |
| Deed Sale | Mar 11, 2025 · Amount on Record |
| Prior Sale | Jan 12, 2007 · Amount on Record |
| Deed Document Number | 2025000369 |
| Deed Book / Page | 676 / 697 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 286 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 286 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Document Number | 000685/186 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | 685/186 |
| Instrument | 2025002121 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 286 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000647/363 |
|---|---|
| Date | Aug 3, 2022 |
| Book Page | 647/363 |
| Instrument | 2022002256 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Mar 11, 2025 |
| Property Address | 286 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Document Number | 000676/697 |
| Book / Page | 676 / 697 |
| Instrument Date | Feb 28, 2025 |
| Instrument | 2025000369 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $828.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 286 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Name | Verified Name |
|---|---|
| Address | 286 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Document Number | 2025000370 |
|---|---|
| Date | Mar 11, 2025 |
| Instrument | 2025000370 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
Source: Mitchell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,468.00 | $262,300 (-) Land $27,800 Building $234,500 |
| 2023 | $1,468.00 | $262,300 Land $27,800 Building $234,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Claims | 2 (1983–1996) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1996 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito West Holding Fiber · Cable | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
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