Mitchell County property record for 410 Summit Ave, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 996 sqft · built 1936 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Jun 2007) |
| Tax Bill | $549 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-17-00-7448 |
| Primary APN | 0890-17-00-7448 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 996 sqft Living Area |
| Year Built | Built 1936 |
|---|---|
| Construction Type | Wood |
| Lot Area | 11,761 sqft (0.269 acres) |
| Heating System | Central |
|---|
| Account Number | 555555081 |
|---|---|
| Street Address | 410 SUMMIT AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 55 BL 4 LOT 6 LOTS 1 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 950400 |
Source: Mitchell County assessment roll, as of January 1, 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 |
|---|---|
| Mailing Address | 410 SUMMIT AVE, SPRUCE PINE, NC 28777-2548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 6, 2007 · Amount on Record |
| Deed Sale | Jun 6, 2007 · Amount on Record |
| Deed Document Number | 0000459556 |
| Deed Book / Page | 459 / 556 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 410 SUMMIT AVE, SPRUCE PINE, NC 28777-2548 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000644/554 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 644/554 |
| Instrument | 2022001734 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.75% |
| Index | 5-Year CMT |
| Max Rate | 8.75% |
Source: Mitchell County assessment roll, as of January 1, 2025
| 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 |
|---|---|---|
| 2025 | $549.00 | $98,200 (-) Land $22,000 Building $76,200 |
| 2023 | $549.00 | $98,200 Land $22,000 Building $76,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito West Holding Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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