Mitchell County property record for 298 Overlook Dr, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,657 sqft · built 2000 |
| Lot Size | 2.13 acres (92,783 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,280 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-06-48-3680 |
| Primary APN | 0799-06-48-3680 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,657 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Construction Type | Wood |
| Lot Area | 92,783 sqft (2.13 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 002041689 |
|---|---|
| Street Address | 298 OVERLOOK DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF OVERLOOK DRIVE |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 950300 |
Source: Mitchell County records · APN 0799-06-48-3680
Assessment roll updated January 1, 2025 · Last verified October 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 |
|---|---|
| Mailing Address | 298 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000304412 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 298 OVERLOOK DR, SPRUCE PINE, NC 28777-8979 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 0000576532 |
|---|---|
| Date | Jan 06, 2017 |
| Book Page | 576/532 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| 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 | $1,280.00 | $228,700 (-) Land $45,300 Building $183,400 |
| 2023 | $1,280.00 | $228,700 Land $45,300 Building $183,400 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,099 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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