327 Terrace Ct, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 327 Terrace Ct, Spruce Pine, NC 28777 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1964
Square Footage	1,466 sqft Living Area
Lot Size	57,064 sqft (1.3 acres)
Occupancy	Owner Occupied
Last Sale	$150,000 (2005)
Tax Bill	$1,154.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0880-15-73-1407`
Alternative APNs	`1117530000` `001117530`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,466 sqft Living Area
Stories	1 Stories

Exterior

Year Built	Built 1964
Construction Type	Wood Construction
Lot Area	57,064 sqft (1.3 acres)

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Account Number	001117530
Street Address	327 TERRACE CT
City	SPRUCE PINE
State	NC
Zip	28777-8468
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MAP 57 BL 3 LOT 20
Jurisdiction	MITCHELL NC
Minor Civil Division	GRASSY CREEK
Census Blockgroup	1
Census Block	1001
Census Tract	950400

Owner

Source: Mitchell County records · APN 0880-15-73-1407

Assessment roll updated January 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	327 TERRACE CT, SPRUCE PINE, NC 28777-8468
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 09, 2005 · Amount on Record
Deed Sale	May 09, 2005 · Amount on Record
Deed Doc Number	0000414623
Deed Book / Page	414 / 623
Record Refreshed	Jun 08, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	327 TERRACE CT, SPRUCE PINE, NC 28777-8468
Transaction Type	Mortgage
Record Updated	Oct 02, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	595/020
Date	Sep 18, 2018
Book Page	595/020
Instrument	2018001613

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$1,154.00 (-0.09%)	$206,100 (-0.1%) Land $37,200 Building $168,900
2023	$1,155.00	$206,300 Land $37,200 Building $169,100

Flood & Wildfire

327 Terrace Ct is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Mitchell County (37121C), updated May 2, 2018

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 44th percentile of exposed land nationally · 64th in North Carolina
Wildfire Likelihood	Moderate — about 1 in 1,408 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.