328 Terrace Ct, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 328 Terrace Ct, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,792 sqft · built 1982
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$158,000 (Apr 2018)
Tax Bill	$1,448 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0880-00-63-9721`

Property Details

APN / Parcel Number

Primary APN	`0880-00-63-9721`
Alternative APN	`555781615`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	45,738 sqft (1.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	555781615
Street Address	328 TERRACE CT
City	SPRUCE PINE
State	NC
Zip	28777-8468
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 57 BL 3 LOT 17
Legal Lot Number	17
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1001
Census Tract	950400

Owner

328 Terrace Ct is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	328 TERRACE CT, SPRUCE PINE, NC 28777-8468
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
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Apr 26, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMERCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2018 · Amount on File
Deed Sale	Apr 26, 2018 · Amount on File
Deed Document Number	2018700
Deed Book / Page	590 / 481
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	328 TERRACE CT, SPRUCE PINE, NC 28777-8468
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 TERRACE CT, SPRUCE PINE, NC 28777-8468

Mortgage

Document Number	634/144
Date	Oct 4, 2021
Book Page	634/144
Instrument	2021002247

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BREVARD, NC 28712

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	328 TERRACE CT, SPRUCE PINE, NC 28777-8468
Transaction Type	Mortgage
Record Updated	Jul 9, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	614/541
Date	Jun 23, 2020
Book Page	614/541
Instrument	2020000992

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

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

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 26, 2018
Property Address	328 TERRACE CT, SPRUCE PINE, NC 28777-8468
Document Number	590/481
Book / Page	590 / 481
Instrument Date	Apr 26, 2018
Instrument	2018000700
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 TERRACE CT, SPRUCE PINE, NC 28777-8468

Mortgage

Document Number	590/485
Date	Apr 26, 2018
Book Page	590/485
Instrument	2018000701

Lender

Name	UNITED COMMERCIAL BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 328 Terrace Ct was $1,448.

Source: Mitchell County assessment roll, as of September 8, 2026

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,448.00	$258,700 (-) Land $35,400 Building $223,300
2025	$1,448.00	$258,700 Land $35,400 Building $223,300
2023	$1,448.00	$258,700 Land $35,400 Building $223,300	$258,700 Land $35,400 Building $223,300

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

Flood

FEMA maps place 328 Terrace Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.

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	1 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Frances, Sep 2004 · 2 claims

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 328 Terrace Ct is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 66% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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