Mitchell County property record for 34 Vance Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,356 sqft · built 1963 |
| Lot Size | 1.32 acres (57,499 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $173,000 (Oct 2008) |
| Tax Bill | $1,168 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-00-45-4045 |
| Primary APN | 0799-00-45-4045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 57,499 sqft (1.32 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Heating System | Gravity Furnace |
|---|
| Account Number | 555555950 |
|---|---|
| Street Address | 34 VANCE DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-6501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARTERS RIDGE RD |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 950400 |
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 | 34 VANCE DR, SPRUCE PINE, NC 28777-6501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2008 · Amount on Record |
| Deed Sale | Oct 13, 2008 · Amount on Record |
| Deed Book / Page | 482 / 248 |
| Last Transfer Date | Aug 16, 2013 |
| Transfer Doc | 539/875 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 34 VANCE DR, SPRUCE PINE, NC 28777-6501 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2020 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 616/467 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 616/467 |
| Instrument | 2020001395 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.87% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.87% |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,168.00 | $178,100 (-) Land $31,300 Building $146,800 | |
| 2025 | $1,168.00 (+1.65%) | $178,100 (-) Land $31,300 Building $146,800 | |
| 2023 | $1,149.00 | $178,100 Land $31,300 Building $146,800 | $178,100 Land $31,300 Building $146,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Zito Media Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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