Mitchell County property record for 409 Elm St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1948 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $188 (2026) |
| Deeds & Mortgages | Oct 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-15-53-2909 |
| Primary APN | 0890-15-53-2909 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 27,007 sqft (0.62 acres) |
| Heating System | Gravity Furnace |
|---|
| Account Number | 555785208 |
|---|---|
| Street Address | 409 ELM ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 9 BLK 2 LOT 3 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 950300 |
409 Elm St is owned by an individual who acquired it in October 2023.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 30 S TOE SCHOOL RD, BURNSVILLE, NC 28714-8580 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 13, 2023 |
| Transfer Doc | 000662/901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Oct 23, 2023 |
| Property Address | 409 ELM ST, SPRUCE PINE, NC 28777-5126 |
| Document Number | 000662/901 |
| Book / Page | 662 / 901 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 2023002103 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 30 S TOE SCHOOL RD, BURNSVILLE, NC 28714-8580 |
The 2026 property tax bill for 409 Elm St was $188.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $188.00 | $33,700 (-) Land $14,400 Building $19,300 | |
| 2025 | $188.00 | $33,700 Land $14,400 Building $19,300 | |
| 2023 | $188.00 | $33,700 Land $14,400 Building $19,300 | $33,700 Land $14,400 Building $19,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Elm St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 409 Elm St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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