39 Otter Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 39 Otter Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Lot Size	3.91 acres (170,320 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jul 2020)
Tax Bill	$2,666 (2026)
Deeds & Mortgages	Nov 2022 Transfer Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0777-00-24-1898`

Property Details

APN / Parcel Number

Primary APN	`0777-00-24-1898`
Alternative APN	`555783084`

Exterior

Lot Area	170,320 sqft (3.91 acres)

Location & Zoning

Account Number	555783084
Street Address	39 OTTER LN
City	SPRUCE PINE
State	NC
Zip	28777-6375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRABTREE SEC HODSHON SUB
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2071
Census Tract	950400

Owner

39 Otter Ln is owned and occupied by two individuals who acquired it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	39 OTTER LN, SPRUCE PINE, NC 28777-6375
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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 16, 2022	Intrafamily Transfer, Transfer
Feb 6, 2018	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 22, 2020	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on File
Deed Sale	Jul 22, 2020 · Amount on File
Prior Sale	Aug 19, 2005 · Amount on File
Deed Document Number	20201183
Deed Book / Page	615 / 414
Last Transfer Date	Oct 1, 2022
Transfer Doc	000651/522
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Nov 16, 2022
Property Address	39 OTTER LN, SPRUCE PINE, NC 28777-6375
Document Number	000651/522
Book / Page	651 / 522
Instrument Date	Oct 10, 2022
Instrument	2022003161
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 OTTER LN, 39, SPRUCE PINE, NC 28777-6375

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	39 OTTER LN, SPRUCE PINE, NC 28777-6375

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	39 OTTER LN, SPRUCE PINE, NC 28777-6375
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMERICA TITLE, AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000588/177
Date	Feb 6, 2018
Book Page	588/177
Instrument	2018000203

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jul 22, 2020
Property Address	39 OTTER LN, SPRUCE PINE, NC 28777-6375
Document Number	000615/414
Book / Page	615 / 414
Instrument Date	Jul 16, 2020
Instrument	2020001183
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	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2O RIDGEVIEW RD, 2O, SPRUCE PINE, NC 28777-5404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11052 NW 48TH LN, DORAL, FL 33178-4352

Mortgage

Document Number	2020001184
Date	Jul 22, 2020
Instrument	2020001184

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 39 Otter Ln was $2,666.

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	$2,666.00	$416,600 (-) Land $51,100 Building $365,500
2025	$2,666.00	$416,600 Land $51,100 Building $365,500
2023	$2,593.00	$411,600 Land $51,100 Building $360,500	$411,600 Land $51,100 Building $360,500

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

Flood

FEMA maps place 39 Otter Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 39 Otter Ln 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable · Fiber in parts of the area	400 / 24
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

Nearby Properties on Otter Ln

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