331 Spring Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 331 Spring Rd, Spruce Pine, NC 28777 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1997
Square Footage	3,660 sqft Living Area
Lot Size	104,108 sqft (2.39 acres)
Occupancy	Owner Occupied
Last Sale	$373,500 (2014)
Tax Bill	$5,162.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0789-04-63-7205`
Alternative APN	`555685598`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	3,660 sqft Living Area
Stories	2 Stories

Exterior

Year Built	Built 1997
Construction Type	Wood Construction
Lot Area	104,108 sqft (2.39 acres)

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	555685598
Street Address	331 SPRING RD
City	SPRUCE PINE
State	NC
Zip	28777-5502
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SWISS PINE LAKE
Jurisdiction	MITCHELL NC
Minor Civil Division	GRASSY CREEK
Census Blockgroup	2
Census Block	2035
Census Tract	950400

Owner

Source: Mitchell County records · APN 0789-04-63-7205

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	331 SPRING RD, SPRUCE PINE, NC 28777-5502
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	Oct 31, 2014 · Amount on Record
Deed Sale	Oct 31, 2014 · Amount on Record
Prior Sale	Dec 02, 2013 · Amount on Record
Deed Doc Number	0000552901
Deed Book / Page	552 / 901
Record Refreshed	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	331 SPRING RD, SPRUCE PINE, NC 28777-5502
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000631/872
Date	Aug 23, 2021
Book Page	631/872
Instrument	2021001834

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Sep 01, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	Other
Max Rate	7.37%

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
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	$5,162.00 (+1.59%)	$806,600 (-) Land $86,100 Building $720,500
2023	$5,081.00	$806,600 Land $86,100 Building $720,500

Flood & Wildfire

331 Spring Rd 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 40th percentile of exposed land nationally · 58th in North Carolina
Wildfire Likelihood	Moderate — about 1 in 1,667 per year
Exposure	Direct burnable vegetation at the parcel

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