Mitchell County property record for 323 Carters Ridge Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,184 sqft · built 1977 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,538 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-34-1549 |
| Primary APN | 0799-03-34-1549 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,184 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Construction Type | Wood |
| Lot Area | 23,087 sqft (0.53 acres) |
| Heating System | Baseboard |
|---|
| Account Number | 555782889 |
|---|---|
| Street Address | 323 CARTERS RIDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9771 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IVY RIDGE DEN |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 950400 |
Source: Mitchell County records, as of October 16, 2025
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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 323 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LIBERTY MORTGAGE LENDING |
| Sep 23, 2020 | Warranty Deed, Transfer |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2020 |
| Deed Sale | Sep 23, 2020 |
| Deed Document Number | 2020001696 |
| Deed Book / Page | 618 / 202 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 11, 2026 |
| Property Address | 323 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9771 |
| Document Number | 0000001394 |
| Book / Page | 692 / 825 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 20261394 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 323 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9771 |
| Document Number | 0000001394, |
|---|---|
| Date | Aug 11, 2026 |
| Book Page | 692/825 |
| Instrument | 20261394 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 10, 2051 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 323 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9771 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 632/679 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 632/679 |
| Instrument | 2021001997 |
| Name | LIBERTY MORTGAGE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | DELRAY BEACH, FL 33483 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 23, 2020 |
| Property Address | 323 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9771 |
| Document Number | 618/202 |
| Book / Page | 618 / 202 |
| Map Reference | MB 1 PG 293 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 2020001696 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 554 SEDGEWICK CIRCLE, 554, MELBOURNE, FL 32904 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 323 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9771 |
Source: Mitchell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,538.00 (+1.59%) | $240,400 (-) Land $25,000 Building $215,400 |
| 2023 | $1,514.00 | $240,400 Land $25,000 Building $215,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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: 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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