Mitchell County property record for 41 Harris Hts, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,420 sqft Living Area |
| Lot Size | 18,731 sqft (0.43 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $1,294.00 (2025) |
| Primary APN | 0880-19-50-8708 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,420 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1965 |
|---|---|
| Construction Type | Wood Construction |
| Lot Area | 18,731 sqft (0.43 acres) |
| Heating System | Baseboard Heating |
|---|
| Account Number | 555552388 |
|---|---|
| Street Address | 41 HARRIS HTS |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8809 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1244 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0880-19-50-8708
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 HARRIS HTS, SPRUCE PINE, NC 28777-8809 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 21, 2017 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Jun 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Doc Number | 0000391687 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 41 HARRIS HTS, SPRUCE PINE, NC 28777-8809 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 000578/520 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 578/520 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 41 HARRIS HTS, SPRUCE PINE, NC 28777-8809 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 000591/926 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 591/926 |
| Instrument | 2018000990 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 41 HARRIS HTS, SPRUCE PINE, NC 28777-8809 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00000617/1 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 617/1 |
| Instrument | 2020001493 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Sep 01, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.87% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 41 HARRIS HTS, SPRUCE PINE, NC 28777-8809 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000643/537 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 643/537 |
| Instrument | 2022001504 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| 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 | $1,294.00 | $231,200 (-) Land $23,000 Building $208,200 |
| 2023 | $1,294.00 | $231,200 Land $23,000 Building $208,200 |
41 Harris Hts is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low 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 | Low 34th percentile of exposed land nationally · 46th in North Carolina |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,174 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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