Mitchell County property record for 357 Rock Ledge Rd, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1968 |
| Square Footage | 1,928 sqft Living Area |
| Lot Size | 19,602 sqft (0.45 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $369,000 (2023) |
| Tax Bill | $1,328.00 (2025) |
| Primary APN | 0799-03-02-6831 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,928 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Wood Construction |
| Lot Area | 19,602 sqft (0.45 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Baseboard Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 555784906 |
|---|---|
| Street Address | 357 ROCK LEDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9755 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TALL PINE RIDGE LOT #40 |
| Legal Subdivision | TALL PINE RIDGE SECTION |
| Legal Lot Number | 40 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2047 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-03-02-6831
Assessment roll updated October 17, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 357 ROCK LEDGE RD, SPRUCE PINE, NC 28777-9755 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Feb 13, 2018 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 18, 2023 · Amount on Record |
| Deed Sale | Jan 18, 2023 · Amount on Record |
| Deed Doc Number | 202379 |
| Deed Book / Page | 653 / 426 |
| Prior Transfer Date | Aug 23, 2006 |
| Prior Transfer Doc | 000443/262 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jan 18, 2023 |
| Property Address | 357 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9755 |
| Document Number | 000653/426 |
| Book / Page | 653 / 426 |
| Map Reference | MB 1 PG 131 |
| Instrument Date | Jan 18, 2023 |
| Instrument | 2023000079 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $738.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 357 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9755 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 615, SPRUCE PINE, NC 28777-0615 |
| Document Number | 2023000080 |
|---|---|
| Date | Jan 18, 2023 |
| Instrument | 2023000080 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.52% |
| Type Change Date | Feb 01, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.52% |
| Index | 5-Year TN |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 357 ROCKLEDGE RD, SPRUCE PINE, NC 28777-9755 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 588/333 |
|---|---|
| Date | Feb 13, 2018 |
| Book Page | 588/333 |
| Instrument | 2018000242 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 5% |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,328.00 (+1.61%) | $207,600 (-) Land $40,000 Building $167,600 | |
| 2023 | $1,307.00 | $207,600 Land $40,000 Building $167,600 | $207,600 Land $40,000 Building $167,600 |
357 Rock Ledge Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 34th percentile of exposed land nationally · 48th in North Carolina |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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