Mitchell County property record for 40 Pine Point Rd, Spruce Pine, NC 28777 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1993 |
| Square Footage | 1,498 sqft Living Area |
| Lot Size | 45,738 sqft (1.05 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $170,000 (2026) |
| Tax Bill | $1,949.00 (2025) |
| Primary APN | 0789-11-55-9501 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,498 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Wood Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 45,738 sqft (1.05 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 555780318 |
|---|---|
| Street Address | 40 PINE POINT RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3357 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GERUSO POINT RD |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2021 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0789-11-55-9501
Assessment roll updated October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 26, 2012 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 16, 2016 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC |
| Jan 12, 2026 | Quit Claim Deed, Transfer · Line of Credit UNITED COMMUNITY BANK |
| Oct 10, 2008 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE NETWORK INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Oct 10, 2008 · Amount on Record |
| Deed Doc Number | 202657 |
| Deed Book / Page | 686 / 235 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000529/335 |
|---|---|
| Date | Nov 26, 2012 |
| Book Page | 529/335 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000571/591 |
|---|---|
| Date | Aug 16, 2016 |
| Book Page | 571/591 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jan 12, 2026 |
| Property Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Document Number | 000686/235 |
| Book / Page | 686 / 235 |
| Instrument Date | Jan 12, 2026 |
| Instrument | 2026000057 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Name | Verified Name |
|---|---|
| Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Document Number | 2026000270 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 2026000270 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 05, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Oct 10, 2008 |
| Property Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Document Number | 482/198 |
| Book / Page | 482 / 198 |
| Instrument Date | Oct 09, 2008 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $574.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 PINE POINT RD, SPRUCE PINE, NC 28777-3357 |
| Document Number | 2008002786 |
|---|---|
| Date | Oct 10, 2008 |
| Instrument | 2008002786 |
| Name | AMERICAN MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2038 |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,949.00 (+1.62%) | $304,600 (-) Land $40,000 Building $264,600 | |
| 2023 | $1,918.00 | $304,600 Land $40,000 Building $264,600 | $304,600 Land $40,000 Building $264,600 |
40 Pine Point Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Mitchell County (37121C), updated May 2, 2018
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 40th percentile of exposed land nationally · 58th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,449 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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