39 Baileys Peak Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 39 Baileys Peak Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	1,899 sqft · built 1935
Lot Size	3.36 acres (146,362 sqft)
Owner	Individual Name on File
Last Sale	$672,000 (Oct 2021)
Tax Bill	$5,381 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0870-00-77-4435`

Property Details

APN / Parcel Number

Primary APN	`0870-00-77-4435`
Alternative APN	`555783862`

Interior

Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,899 sqft Total Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	146,362 sqft (3.36 acres)

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	555783862
Street Address	39 BAILEYS PEAK RD
City	SPRUCE PINE
State	NC
Zip	28777-0408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER PARK ESTATE 1162
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1013
Census Tract	950400

Owner

39 Baileys Peak Rd is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	39 BAILEYS PEAK RD, SPRUCE PINE, NC 28777-0408
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
Nov 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Jul 28, 2016 · Amount on File
Deed Document Number	20212366
Deed Book / Page	634 / 750
Prior Transfer Date	Dec 6, 2005
Prior Transfer Doc	000428/189
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	39 BAILEYS PEAK RD, SPRUCE PINE, NC 28777-0408
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000596/624
Date	Nov 20, 2018
Book Page	596/624
Instrument	2018001990

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Oct 15, 2021
Property Address	39 BAILEYS PEAK RD, SPRUCE PINE, NC 28777-0408
Document Number	000634/750
Book / Page	634 / 750
Instrument Date	Oct 15, 2021
Instrument	2021002366
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	341 BULL CREEK RD, 341, MARS HILL, NC 28754-6130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 BAILEYS PEAK RD, SPRUCE PINE, NC 28777-0408

Mortgage

Document Number	2021002367
Date	Oct 15, 2021
Instrument	2021002367

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 39 Baileys Peak Rd was $5,381.

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	$5,381.00	$840,800 (-) Land $92,700 Building $748,100
2025	$5,381.00	$840,800 Land $92,700 Building $748,100
2023	$5,579.00	$885,600 Land $136,100 Building $749,500	$672,400 Land $136,100

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

Flood

FEMA maps place 39 Baileys Peak Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	Tropical Storm Frances, Sep 2004 · 2 claims

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

Wildfire risk around 39 Baileys Peak Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 70% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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