Mitchell County property record for 305 High Rdg Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 760 sqft · built 1974 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,274 (2026) |
| Deeds & Mortgages | Aug 2018 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0787-01-48-9914 |
| Primary APN | 0787-01-48-9914 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 760 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Wood |
| Lot Area | 43,560 sqft (1 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 555553971 |
|---|---|
| Street Address | 305 HIGH RIDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LITTLE SWITZERLAND OFF 11 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3059 |
| Census Tract | 950400 |
Source: Mitchell County records, as of September 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 105, LITTLE SWITZERLAND, NC 28749-0105 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 24, 2018 |
| Transfer Doc | 594/467 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 30, 2018 |
| Property Address | 305 HIGH RIDGE RD, SPRUCE PINE, NC 28777 |
| Document Number | 594/467 |
| Book / Page | 594 / 467 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 2018001492 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 HIGH RIDGE RD, 305, LITTLE SWITZERLAND, NC 28749 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 305 HIGH RIDGE RD, LITTLE SWITZERLAND, NC 28749 |
| Document Number | 2018001493 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 2018001493 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.31% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
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 | $1,274.00 | $199,100 (-) Land $60,000 Building $139,100 | |
| 2025 | $1,274.00 (+1.59%) | $199,100 (-) Land $60,000 Building $139,100 | |
| 2023 | $1,254.00 | $199,100 Land $60,000 Building $139,100 | $199,100 Land $60,000 Building $139,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LITTLE SWITZERLAND COMM ASSOC private · serves 300 people · EPA ID NC0156105 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
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