Mitchell County property record for 31 Mountain Laurel Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,200 sqft · built 1977 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Sep 2014) |
| Tax Bill | $945 (2026) |
| Deeds & Mortgages | Nov 2006 Mortgage Nov 2006 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-34-7043 |
| Primary APN | 0799-03-34-7043 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 16,988 sqft (0.39 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 555706133 |
|---|---|
| Street Address | 31 MOUNTAIN LAUREL DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1117 |
| Legal Subdivision | RED OAK HILLS SPRUCE PINE |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 950400 |
31 Mountain Laurel Dr is owned and occupied by an individual who bought it in September 2014.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| 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 |
|---|---|
| Nov 18, 2006 | Deed of Trust, Mortgage · ARM US BANK NA ND |
| Nov 16, 2006 | Deed of Trust, Mortgage · ARM US BANK NA ND |
| Sep 4, 2014 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2014 · Amount on File |
| Deed Sale | Sep 4, 2014 · Amount on File |
| Prior Sale | Oct 23, 2013 · Amount on File |
| Deed Book / Page | 551 / 228 |
| Prior Transfer Date | Jun 18, 2013 |
| Prior Transfer Doc | 000537/151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 31 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000448/496 |
|---|---|
| Date | Nov 18, 2006 |
| Book Page | 448/496 |
| Name | US BANK NA ND |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Dec 1, 2009 |
| Change Frequency | Annually |
| Min Rate At Change | 8.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year LIBOR |
| Max Rate | 12.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 31 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000448/496 |
|---|---|
| Date | Nov 16, 2006 |
| Book Page | 448/496 |
| Name | US BANK NA ND |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Dec 1, 2009 |
| Change Frequency | Annually |
| Min Rate At Change | 6.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 12.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 4, 2014 |
| Property Address | 31 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Document Number | 000551/228 |
| Book / Page | 551 / 228 |
| Map Reference | FILE FS-14049-00B |
| Instrument Date | Sep 4, 2014 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 31 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Document Number | 2014001692 |
|---|---|
| Date | Sep 4, 2014 |
| Instrument | 2014001692 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 396 Months |
| Due | Sep 4, 2047 |
The 2026 property tax bill for 31 Mountain Laurel Dr was $945.
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 | $945.00 | $147,700 (-) Land $25,000 Building $122,700 | |
| 2025 | $945.00 | $147,700 Land $25,000 Building $122,700 | |
| 2023 | $930.00 | $147,700 Land $25,000 Building $122,700 | $147,700 Land $25,000 Building $122,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Mountain Laurel 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 | 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.
Wildfire risk around 31 Mountain Laurel Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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 | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 70 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 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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