315 Ridgeview Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 315 Ridgeview Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,115 sqft · built 1997
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Mar 2020)
Tax Bill	$2,040 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0789-04-82-9459`

Property Details

APN / Parcel Number

Primary APN	`0789-04-82-9459`
Alternative APN	`555782754`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,115 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Wood
Lot Area	40,075 sqft (0.92 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	555782754
Street Address	315 RIDGEVIEW RD
City	SPRUCE PINE
State	NC
Zip	28777-5496
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWISS PINE LAKE DRIVE
Legal Subdivision	GRASSY CREEK NO 2
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2034
Census Tract	950400

Owner

315 Ridgeview Rd is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	315 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5496
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Mar 27, 2020	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2020 · Amount on File
Deed Sale	Mar 27, 2020 · Amount on File
Prior Sale	Aug 9, 2012 · Amount on File
Deed Document Number	2020495
Deed Book / Page	611 / 949
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	315 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5496
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000646/908
Date	Jul 26, 2022
Book Page	646/908
Instrument	2022002188

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	315 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5496
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	636/549
Date	Nov 22, 2021
Book Page	636/549
Instrument	2021002716

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Mar 27, 2020
Property Address	315 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5496
Document Number	611/949
Book / Page	611 / 949
Instrument Date	Mar 20, 2020
Instrument	2020000495
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 SAND HILL CT, 100, FAIRHOPE, AL 36532-6321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 RIDGEVIEW RD, SPRUCE PINE, NC 28777-5496

Mortgage

Document Number	2020000496
Date	Mar 27, 2020
Instrument	2020000496

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 315 Ridgeview Rd was $2,040.

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	$2,040.00	$318,800 (-) Land $40,000 Building $278,800
2025	$2,040.00	$318,800 Land $40,000 Building $278,800
2023	$2,008.00	$318,800 Land $40,000 Building $278,800	$318,800 Land $40,000 Building $278,800

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

Flood

FEMA maps place 315 Ridgeview Rd 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 315 Ridgeview Rd is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridgeview Rd

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