348 W Mountain Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 348 W Mountain Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1973
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Jul 2019)
Tax Bill	$1,256 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1800-01-17-4123`

Property Details

APN / Parcel Number

Primary APN	`1800-01-17-4123`
Alternative APN	`555782373`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Detached
Garage Area	1,200 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555782373
Street Address	348 W MOUNTAIN RD
City	SPRUCE PINE
State	NC
Zip	28777-8420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SR 1230
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2001
Census Tract	950300

Owner

348 W Mountain Rd is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	348 W MOUNTAIN RD, SPRUCE PINE, NC 28777-8420
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
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 18, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Jan 13, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2019 · Amount on File
Deed Sale	Jul 18, 2019 · Amount on File
Prior Sale	Sep 8, 2011 · Amount on File
Deed Document Number	20191282
Deed Book / Page	603 / 922
Prior Transfer Date	Jan 12, 2017
Prior Transfer Doc	576/730
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	348 W MOUNTAIN RD, SPRUCE PINE, NC 28777-8420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	622/326
Date	Dec 30, 2020
Book Page	622/326
Instrument	2020002451

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jul 18, 2019
Property Address	348 W MOUNTAIN RD, SPRUCE PINE, NC 28777-8420
Document Number	603/922
Book / Page	603 / 922
Instrument Date	Jul 18, 2019
Instrument	2019001282
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1946 CABBAGE PATCH RD, 1946, BURNSVILLE, NC 28714-7324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 W MOUNTAIN DR, SPRUCE PINE, NC 28777-8420

Mortgage

Document Number	2019001283
Date	Jul 18, 2019
Instrument	2019001283

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Jan 13, 2017
Property Address	348 W MOUNTAIN RD, SPRUCE PINE, NC 28777-8420
Document Number	576/730
Book / Page	576 / 730
Instrument Date	Jan 12, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$188.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	348 W MOUNTAIN RD, 348, SPRUCE PINE, NC 28777-8420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1946 CABBAGE PATCH RD, BURNSVILLE, NC 28714-7324

Mortgage

Document Number	576/733
Date	Jan 13, 2017
Book Page	576/733

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 348 W Mountain Rd was $1,256, up 1.7% from the year before.

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	$1,256.00 (+1.7%)	$196,300 (+1.71%) Land $22,900 Building $173,400
2025	$1,235.00	$193,000 Land $22,900 Building $170,100
2023	$1,348.00	$214,100 Land $22,900 Building $191,200	$214,100 Land $22,900 Building $191,200

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

Flood

FEMA maps place 348 W Mountain Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 2, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 348 W Mountain Rd is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% 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 94 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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