307 Rainbow Trout Dr, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 307 Rainbow Trout Dr, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,863 sqft · built 2008
Lot Size	3.37 acres (146,797 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Dec 2007)
Tax Bill	$2,590 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0767-00-91-2537`

Property Details

APN / Parcel Number

Primary APN	`0767-00-91-2537`
Alternative APN	`555782706`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,863 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Wood
Lot Area	146,797 sqft (3.37 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	555782706
Street Address	307 RAINBOW TROUT DR
City	SPRUCE PINE
State	NC
Zip	28777-0980
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHASE 1 - LOT #57; MOUNTAIN BROOK ESTATES
Legal Subdivision	MOUNTAIN BROOK ESTATES
Legal Phase	1
Legal Lot Number	57
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2065
Census Tract	950400

Owner

307 Rainbow Trout Dr is owned and occupied by an individual who acquired it in April 2020.

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	Individual Name on File
Mailing Address	307 RAINBOW TROUT DR, SPRUCE PINE, NC 28777-0980
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit HOMETAP EQUITY PARTNERS LLC
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 27, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2007 · Amount on File
Deed Sale	Dec 27, 2007 · Amount on File
Deed Book / Page	468 / 804
Last Transfer Date	Apr 10, 2020
Transfer Doc	000612/711
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	307 RAINBOW TROUT DR, SPRUCE PINE, NC 28777
Transaction Type	Mortgage
Record Updated	Feb 9, 2024
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000665/463
Date	Jan 30, 2024
Book Page	665/463
Instrument	2024000166

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02116

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	307 RAINBOW TROUT DR, SPRUCE PINE, NC 28777
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000631/651
Date	Aug 17, 2021
Book Page	631/651
Instrument	2021001791

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Apr 27, 2020
Property Address	307 RAINBOW TROUT DR, SPRUCE PINE, NC 28777
Document Number	000612/711
Book / Page	612 / 711
Map Reference	MB 3 PG 99-105
Instrument Date	Apr 10, 2020
Instrument	2020000641
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13100 SW 16TH ST, 13100, DAVIE, FL 33325-5757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14500 SW 17TH CT, DAVIE, FL 33325-5919

Mortgage

Document Number	2020000642
Date	Apr 27, 2020
Instrument	2020000642

Lender

Name	QUICKEN LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 307 Rainbow Trout Dr was $2,590.

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,590.00	$404,700 (-) Land $60,000 Building $344,700
2025	$2,590.00	$404,700 Land $60,000 Building $344,700
2023	$2,549.00	$404,700 Land $60,000 Building $344,700	$404,700 Land $60,000 Building $344,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 307 Rainbow Trout Dr 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

Wildfire risk around 307 Rainbow Trout Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable	400 / 24
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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