Mitchell County property record for 327 Rock Ledge Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,442 sqft · built 1988 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Dec 2018) |
| Tax Bill | $2,096 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-02-6916 |
| Primary APN | 0799-03-02-6916 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,442 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Construction Type | Wood |
| Lot Area | 30,928 sqft (0.71 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555781856 |
|---|---|
| Street Address | 327 ROCK LEDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TALL PINE RIDGE LOTS #38 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2047 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 327 ROCK LEDGE RD, SPRUCE PINE, NC 28777-9755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 28, 2018 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2018 · Amount on Record |
| Deed Sale | Dec 28, 2018 · Amount on Record |
| Prior Sale | Oct 9, 2014 · Amount on Record |
| Deed Document Number | 2018002188 |
| Deed Book / Page | 597 / 655 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 327 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9755 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 621/804 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | 621/804 |
| Instrument | 2020002373 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Dec 28, 2018 |
| Property Address | 327 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9755 |
| Document Number | 597/655 |
| Book / Page | 597 / 655 |
| Map Reference | MB 1 PG 131 |
| Instrument Date | Dec 28, 2018 |
| Instrument | 2018002188 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8533 OLD NC 10, 8533, HICKORY, NC 28602-8627 |
| Name | Verified Name |
|---|---|
| Address | 145 FAIRWAY LN APT I, I, SPRUCE PINE, NC 28777-8857 |
| Document Number | 2018002189 |
|---|---|
| Date | Dec 28, 2018 |
| Instrument | 2018002189 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
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 | $2,096.00 (+1.6%) | $327,500 (-) Land $40,000 Building $287,500 |
| 2023 | $2,063.00 | $327,500 Land $40,000 Building $287,500 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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