392 Walker Ridge Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 392 Walker Ridge Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Last Sale	$51,000 (Jan 2021)
Tax Bill	$3,033 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`0778-00-46-5063`

Property Details

APN / Parcel Number

Primary APN	`0778-00-46-5063`
Alternative APN	`555783361`

Exterior

Lot Area	98,010 sqft (2.25 acres)

Location & Zoning

Account Number	555783361
Street Address	392 WALKER RIDGE RD
City	SPRUCE PINE
State	NC
Zip	28777-0879
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12; ALPINE MTN SECTION 11
Legal Subdivision	ALPINE MOUNTAIN SUBDIVISION SECTION II
Legal Lot Number	12
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2052
Census Tract	950400

Owner

392 Walker Ridge Rd is owned and occupied by two individuals who bought it in January 2021.

Source: Mitchell County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	392 WALKER RIDGE RD, SPRUCE PINE, NC 28777-0879
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
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jan 15, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Jan 28, 2010 · Amount on File
Deed Document Number	2021107
Deed Book / Page	622 / 937
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	392 WALKER RIDGE RD, SPRUCE PINE, NC 28777-0879
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000637/757
Date	Dec 17, 2021
Book Page	637/757
Instrument	2021002935

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	2.87%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jan 15, 2021
Property Address	392 WALKER RIDGE RD, SPRUCE PINE, NC 28777-0879
Document Number	000622/937
Book / Page	622 / 937
Map Reference	MB 2 PG 181&182
Instrument Date	Jan 13, 2021
Instrument	2021000107
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount on Record
Tax	$102.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12685 HICKORY RD, NORTH MIAMI, FL 33181-2441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 JACK PINE ST, HOPE MILLS, NC 28348-9474

Tax Assessment & Valuation

The 2026 property tax bill for 392 Walker Ridge Rd was $3,033.

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	$3,033.00	$474,000 (-) Land $47,500 Building $426,500
2025	$3,033.00	$474,000 Land $47,500 Building $426,500
2023	$2,720.00	$431,800 Land $47,500 Building $384,300	$22,500 Land $22,500

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

Flood

FEMA maps place 392 Walker Ridge Rd 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 392 Walker Ridge Rd is moderate, ranking above 55% 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 55% of the US · above 77% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Carolina West Wireless Fixed Wireless	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Walker Ridge Rd

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