385 Harris St, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 385 Harris St, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,576 sqft · built 1976
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Aug 2023)
Tax Bill	$1,193 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0789-07-59-2715`

Property Details

APN / Parcel Number

Primary APN	`0789-07-59-2715`
Alternative APNs	`4007696000` `004007696` `555785065`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,576 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	18,295 sqft (0.42 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	555785065
Street Address	385 HARRIS ST
City	SPRUCE PINE
State	NC
Zip	28777-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ENGLISH CREEK SUB LOT 11
Legal Lot Number	11
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2013
Census Tract	950400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	385 HARRIS ST, SPRUCE PINE, NC 28777-3121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Nov 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023 · Amount on Record
Deed Sale	Aug 4, 2023 · Amount on Record
Deed Document Number	20231586
Deed Book / Page	660 / 437
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 4, 2023
Property Address	385 HARRIS ST, SPRUCE PINE, NC 28777-3121
Document Number	000660/437
Book / Page	660 / 437
Instrument Date	Aug 4, 2023
Instrument	2023001586
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	385 HARRIS ST, SPRUCE PINE, NC 28777-3121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 HARRIS ST, SPRUCE PINE, NC 28777-3121

Mortgage

Document Number	000660/440
Date	Aug 4, 2023
Book Page	660/440
Instrument	2023001587

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	385 HARRIS ST, SPRUCE PINE, NC 28777-3121
Transaction Type	Mortgage
Record Updated	Nov 21, 2022
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 HARRIS ST, SPRUCE PINE, NC 28777-3121

Mortgage

Document Number	000651/218
Date	Nov 7, 2022
Book Page	651/218
Instrument	2022003094

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,193.00	$213,100 (-) Land $17,000 Building $196,100
2025	$1,193.00 (+18.59%)	$213,100 (+18.52%) Land $17,000 Building $196,100
2023	$1,006.00	$179,800 Land $17,000 Building $162,800	$179,800 Land $17,000 Building $162,800

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	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 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 in parts of the area	1,000 / 1,000

May also be available: Verizon.

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