Mitchell County property record for 430 Carters Ridge Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,736 sqft · built 1975 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Sep 2017) |
| Tax Bill | $1,480 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-34-5152 |
| Primary APN | 0799-03-34-5152 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,736 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Lot Area | 23,087 sqft (0.53 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 555781030 |
|---|---|
| Street Address | 430 CARTERS RIDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9794 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RED OAK HILLS |
| Legal Subdivision | RED OAK HILLS |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 950400 |
430 Carters Ridge Rd is owned and occupied by two individuals who bought it in September 2017.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 430 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9794 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION |
| Sep 24, 2025 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Sep 22, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Sep 27, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2017 · Amount on File |
| Deed Sale | Sep 27, 2017 · Amount on File |
| Deed Document Number | 20171782 |
| Deed Book / Page | 584 / 271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jul 7, 2026 |
| Property Address | 430 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9794 |
| Document Number | 0000001168 |
| Book / Page | 691 / 565 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 20261168 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 430 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9794 |
| Document Number | 0000001168, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 691/565 |
| Instrument | 20261168 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 430 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9794 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000682/495 |
|---|---|
| Date | Sep 24, 2025 |
| Book Page | 682/495 |
| Instrument | 2025001610 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 430 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9794 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 25279, RALEIGH, NC 27611-5279 |
| Document Number | 0000662/84 |
|---|---|
| Date | Sep 22, 2023 |
| Book Page | 662/84 |
| Instrument | 2023001915 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 27, 2017 |
| Property Address | 430 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9794 |
| Document Number | 584/271 |
| Book / Page | 584 / 271 |
| Map Reference | MB 1 PG 146 |
| Instrument Date | Sep 16, 2017 |
| Instrument | 2017001782 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 430 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9794 |
The 2026 property tax bill for 430 Carters Ridge Rd was $1,480.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,480.00 | $231,300 (-) Land $25,000 Building $206,300 | |
| 2025 | $1,480.00 | $231,300 Land $25,000 Building $206,300 | |
| 2023 | $1,457.00 | $231,300 Land $25,000 Building $206,300 | $231,300 Land $25,000 Building $206,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 Carters Ridge Rd in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 430 Carters Ridge Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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 70 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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