Mitchell County property record for 420 Gouges Creek Rd, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1984 |
| Square Footage | 2,341 sqft Living Area |
| Lot Size | 40,075 sqft (0.92 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $200,000 (2021) |
| Tax Bill | $1,296.00 (2025) |
| Primary APN | 0890-02-96-4734 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,341 sqft Living Area |
| Basement Area | 2,341 sqft Basement |
| Unfinished Basement | 2,341 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Construction Type | Wood Construction |
| Roof Construction | Gable Roof Construction |
| Lot Area | 40,075 sqft (0.92 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 555783669 |
|---|---|
| Street Address | 420 GOUGES CREEK RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8357 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1137 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 950300 |
Source: Mitchell County records · APN 0890-02-96-4734
Assessment roll updated October 17, 2025 · Last verified April 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 | 420 GOUGES CREEK RD, SPRUCE PINE, NC 28777-8357 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 24, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jun 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 30, 2021 · Amount on Record |
| Deed Sale | Jun 30, 2021 · Amount on Record |
| Deed Doc Number | 20211418 |
| Deed Book / Page | 629 / 568 |
| Prior Transfer Date | Aug 05, 2005 |
| Prior Transfer Doc | 420/168 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 420 GOUGES CREEK RD, SPRUCE PINE, NC 28777-8357 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 420 GOUGES CREEK RD, SPRUCE PINE, NC 28777-8357 |
| Document Number | 000641/413 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 641/413 |
| Instrument | 2022000608 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jun 30, 2021 |
| Property Address | 420 GOUGES CREEK RD, SPRUCE PINE, NC 28777-8357 |
| Document Number | 629/568 |
| Book / Page | 629 / 568 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021001418 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5416 HORTON HWY, 5416, GREENEVILLE, TN 37745-7813 |
| Name | Verified Name |
|---|---|
| Address | 420 GOUGES CREEK RD, SPRUCE PINE, NC 28777-8357 |
| Document Number | 000629/571 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 629/571 |
| Instrument | 2021001419 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 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 | $1,296.00 (+1.65%) | $202,500 (-) Land $21,500 Building $181,000 | |
| 2023 | $1,275.00 | $202,500 Land $21,500 Building $181,000 | $202,500 Land $21,500 Building $181,000 |
420 Gouges Creek 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 45th percentile of exposed land nationally · 65th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,235 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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