340 Doc Howell Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 340 Doc Howell Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,944 sqft · built 1999
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (May 2018)
Tax Bill	$3,187 (2026)
Deeds & Mortgages	May 2020 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0788-00-22-2650`

Property Details

APN / Parcel Number

Primary APN	`0788-00-22-2650`
Alternative APN	`555781408`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Basement Area	1,944 sqft
Unfinished Basement	1,944 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555781408
Street Address	340 DOC HOWELL RD
City	SPRUCE PINE
State	NC
Zip	28777-0570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1103
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2021
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	PO BOX 763, SPRUCE PINE, NC 28777-0763
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
May 21, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Feb 14, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2018 · Amount on Record
Deed Sale	May 21, 2018 · Amount on Record
Prior Sale	Feb 14, 2017 · Amount on Record
Deed Document Number	2018847
Deed Book / Page	591 / 199
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	340 DOC HOWELL RD, SPRUCE PINE, NC 28777-0570
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000613/555
Date	May 19, 2020
Book Page	613/555
Instrument	2020000779

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	May 21, 2018
Property Address	340 DOC HOWELL RD, SPRUCE PINE, NC 28777-0570
Document Number	591/199
Book / Page	591 / 199
Instrument Date	May 21, 2018
Instrument	2018000847
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 DOCK HOWELL RD, SPRUCE PINE, NC 28777-0570

Mortgage

Document Number	000591/201
Date	May 21, 2018
Book Page	591/201
Instrument	2018000848

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2033

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Feb 14, 2017
Property Address	340 DOC HOWELL RD, SPRUCE PINE, NC 28777-0570
Document Number	577/632
Book / Page	577 / 632
Instrument Date	Feb 14, 2017
Instrument	2017000286
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 PINE BRANCH RD, SPRUCE PINE, NC 28777-9410

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	$3,187.00	$498,000 (-) Land $21,700 Building $476,300
2025	$3,187.00 (+1.59%)	$498,000 (-) Land $21,700 Building $476,300
2023	$3,137.00	$498,000 Land $21,700 Building $476,300	$498,000 Land $21,700 Building $476,300

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	3 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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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