Mitchell County property record for 317 Ridge Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,254 sqft · built 2009 |
| Lot Size | 3.02 acres (131,551 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Sep 2009) |
| Tax Bill | $1,383 (2026) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1800-00-55-3646 |
| Primary APN | 1800-00-55-3646 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,254 sqft Living Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Wood |
| Lot Area | 131,551 sqft (3.02 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555556753 |
|---|---|
| Street Address | 317 RIDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-6014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 317 RIDGE RD, SPRUCE PINE, NC 28777-6014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2009 · Amount on Record |
| Deed Sale | Sep 17, 2009 · Amount on Record |
| Deed Book / Page | 495 / 26 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 317 RIDGE RD, SPRUCE PINE, NC 28777-6014 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 608/241 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 608/241 |
| Instrument | 2019002130 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2034 |
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 | $1,383.00 | $215,900 (-) Land $42,200 Building $173,700 | |
| 2025 | $1,383.00 (+6.38%) | $215,900 (+4.7%) Land $42,200 Building $173,700 | |
| 2023 | $1,300.00 | $206,200 Land $42,200 Building $164,000 | $206,200 Land $42,200 Building $164,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.08% 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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Zito Media Fiber | 1,000 / 1,000 |
May also be available: Verizon.
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