31 Chestnut Hill Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 31 Chestnut Hill Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,572 sqft · built 2006
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Sep 2020)
Tax Bill	$2,777 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`0789-04-71-7993`

Property Details

APN / Parcel Number

Primary APN	`0789-04-71-7993`
Alternative APN	`555782888`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,572 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	40,511 sqft (0.93 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555782888
Street Address	31 CHESTNUT HILL RD
City	SPRUCE PINE
State	NC
Zip	28777-8706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWISS PINE LAKE DR
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2021
Census Tract	950400

Owner

Source: Mitchell County records, as of September 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	31 CHESTNUT HILL RD, SPRUCE PINE, NC 28777-8706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Warranty Deed, Transfer · Conventional Mortgage EASTMAN CU
Sep 14, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Sep 14, 2017 · Amount on Record
Deed Document Number	20201686
Deed Book / Page	618 / 156
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Sep 22, 2020
Property Address	31 CHESTNUT HILL RD, SPRUCE PINE, NC 28777-8706
Document Number	618/156
Book / Page	618 / 156
Map Reference	MAP 99008-1
Instrument Date	Sep 17, 2020
Instrument	2020001686
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 CHESTNUT HILL RD, 31, SPRUCE PINE, NC 28777-8706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CHESTNUT HILL RD, SPRUCE PINE, NC 28777-8706

Mortgage

Document Number	2020001687
Date	Sep 22, 2020
Instrument	2020001687

Lender

Name	EASTMAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Sep 14, 2017
Property Address	31 CHESTNUT HILL RD, SPRUCE PINE, NC 28777-8706
Document Number	583/762
Book / Page	583 / 762
Instrument Date	Sep 14, 2017
Instrument	2017001695
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Tax	$618.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 CHESTNUT HILL RD, 31, SPRUCE PINE, NC 28777-8706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CHESTNUT HILL RD, SPRUCE PINE, NC 28777-8706

Tax Assessment & Valuation

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	$2,777.00	$434,000 (-) Land $40,000 Building $394,000
2025	$2,777.00 (+1.57%)	$434,000 (-) Land $40,000 Building $394,000
2023	$2,734.00	$434,000 Land $40,000 Building $394,000	$434,000 Land $40,000 Building $394,000

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

Flood

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SWISS PINE LAKES private · serves 185 people · EPA ID NC0161104
Water Source	Purchased surface water from TOWN OF SPRUCE PINE
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable in parts of the area	1,000 / 1,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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