Mitchell County property record for 291 Pond Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,904 sqft · built 1995 |
| Lot Size | 7.1 acres (309,276 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,176 (2026) |
| Deeds & Mortgages | Sep 2019 Transfer Feb 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0788-00-78-4408 |
| Primary APN | 0788-00-78-4408 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,904 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Roof Type | Gable |
| Lot Area | 309,276 sqft (7.1 acres) |
| Garage Type | Attached |
| Garage Area | 930 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 005003215 |
|---|---|
| Street Address | 291 POND RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF 1117 ROCK HOUSE CR RD |
| Legal Subdivision | JAMES H OWINGS & DEBORAH OWINGS PROPERTY |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 950400 |
291 Pond Rd is owned and occupied by two individuals who acquired it in September 2019.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 291 POND RD, SPRUCE PINE, NC 28777-9234 |
| 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.
| Date | Document |
|---|---|
| Sep 16, 2019 | Intrafamily Transfer, Transfer |
| Feb 19, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 13, 2019 |
| Transfer Doc | 605/822 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 16, 2019 |
| Property Address | 291 POND RD, SPRUCE PINE, NC 28777-9234 |
| Document Number | 605/822 |
| Book / Page | 605 / 822 |
| Map Reference | FILE 92157 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 2019001667 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 291 POND RD, SPRUCE PINE, NC 28777-9234 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 291 POND RD, SPRUCE PINE, NC 28777-9234 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2019 |
| Name | Verified Name |
|---|
| Document Number | 599/060 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 599/060 |
| Instrument | 2019000275 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Feb 6, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 291 Pond Rd was $3,176.
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 | $3,176.00 | $485,200 (-) Land $94,800 Building $390,400 | |
| 2025 | $3,176.00 | $485,200 Land $94,800 Building $390,400 | |
| 2023 | $3,058.00 | $485,200 Land $94,800 Building $390,400 | $485,200 Land $94,800 Building $390,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 291 Pond Rd in Zone X, an area of minimal flood risk.
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 | 3 in force |
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 291 Pond Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
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 | 0.07% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
May also be available: Spectrum.
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