339 Carpenter Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 339 Carpenter Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1972
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Tax Bill	$814 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Feb 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1719-00-43-9098`

Property Details

APN / Parcel Number

Primary APN	`1719-00-43-9098`
Alternative APN	`555780940`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555780940
Street Address	339 CARPENTER RD
City	SPRUCE PINE
State	NC
Zip	28777-5556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1233
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3000
Census Tract	950400

Owner

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

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
Mailing Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Feb 1, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 28, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 6, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 20, 2017
Transfer Doc	000577/419
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000577/425
Date	Feb 6, 2017
Book Page	577/425
Instrument	2017000228

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000577/425
Date	Feb 1, 2017
Book Page	577/425

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	3.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000615/1
Date	Jul 10, 2020
Book Page	615/1
Instrument	2020001091

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000596/818
Date	Nov 28, 2018
Book Page	596/818
Instrument	2018002026

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000631/371
Date	Aug 12, 2021
Book Page	631/371
Instrument	2021001739

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Feb 6, 2017
Property Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556
Document Number	000577/419
Book / Page	577 / 419
Map Reference	MB 395 PG 146
Instrument Date	Jan 20, 2017
Instrument	2017000227
Transaction Type	Transfer
Record Updated	Jul 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	339 CARPENTER RD, 339, SPRUCE PINE, NC 28777-5556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 CARPENTER RD, SPRUCE PINE, NC 28777-5556

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$814.00 (+0.99%)	$114,000 (-) Land $22,900 Building $91,100
2025	$806.00 (+12.26%)	$114,000 (-) Land $22,900 Building $91,100
2023	$718.00	$114,000 Land $22,900 Building $91,100	$114,000 Land $22,900 Building $91,100

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

Flood

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.

Wildfire

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

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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