Mitchell County property record for 405 Rock Ledge Rd, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,296 sqft · built 1988 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (May 2012) |
| Tax Bill | $1,542 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-02-7600 |
| Primary APN | 0799-03-02-7600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Construction Type | Wood |
| Lot Area | 19,602 sqft (0.45 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555566495 |
|---|---|
| Street Address | 405 ROCK LEDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TALL PINE RIDGE |
| Legal Subdivision | TALL PINE RIDGE |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-03-02-7600
Assessment roll updated January 1, 2025 · Last verified October 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 405 ROCK LEDGE RD, SPRUCE PINE, NC 28777-5451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 10, 2012 · Amount on Record |
| Deed Sale | May 10, 2012 · Amount on Record |
| Deed Document Number | 0000522261 |
| Deed Book / Page | 522 / 261 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 405 ROCK LEDGE RD, SPRUCE PINE, NC 28777-5451 |
| Transaction Type | Mortgage |
| Record Updated | Dec 02, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000684/203 |
|---|---|
| Date | Nov 10, 2025 |
| Book Page | 684/203 |
| Instrument | 2025001933 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Oct 17, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,542.00 (+1.58%) | $241,000 (-) Land $40,000 Building $201,000 |
| 2023 | $1,518.00 | $241,000 Land $40,000 Building $201,000 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371219504002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 34% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 66 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Zito West Holding | Fiber | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Zito West Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures