Mitchell County property record for 362 Terrace Ct, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $144,000 (Jan 2012) |
| Tax Bill | $1,123 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0880-00-63-7593 |
| Primary APN | 0880-00-63-7593 |
|---|---|
| Alternative APN |
|
| Lot Area | 33,541 sqft (0.77 acres) |
|---|
| Account Number | 555578816 |
|---|---|
| Street Address | 362 TERRACE CT |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 950400 |
362 Terrace Ct is owned and occupied by two individuals who bought it in January 2012.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 362 TERRACE CT, SPRUCE PINE, NC 28777-8468 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2012 · Amount on File |
| Deed Sale | Jan 20, 2012 · Amount on File |
| Deed Book / Page | 519 / 433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 362 TERRACE CT, SPRUCE PINE, NC 28777-8468 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 636/1 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 636/1 |
| Instrument | 2021002608 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2041 |
The 2026 property tax bill for 362 Terrace Ct was $1,123.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,123.00 | $200,600 (-) Land $33,100 Building $167,500 | |
| 2025 | $1,123.00 | $200,600 Land $33,100 Building $167,500 | |
| 2023 | $1,123.00 | $200,600 Land $33,100 Building $167,500 | $200,600 Land $33,100 Building $167,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 362 Terrace Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.
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 | 1 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 362 Terrace Ct is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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