435 Harris St, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 435 Harris St, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,565 sqft · built 1976
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Aug 2018)
Tax Bill	$1,230 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0789-00-49-9721`

Property Details

APN / Parcel Number

Primary APN	`0789-00-49-9721`
Alternative APN	`555781560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,565 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Lot Area	31,799 sqft (0.73 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555781560
Street Address	435 HARRIS ST
City	SPRUCE PINE
State	NC
Zip	28777-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ENGLISH CREEK LOT 13
Legal Subdivision	ENGLISH CREEK SUBDIVISION
Legal Lot Number	13
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2013
Census Tract	950400

Owner

Source: Mitchell County records, as of September 8, 2026

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 Record
Mailing Address	435 HARRIS ST, SPRUCE PINE, NC 28777-3123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	20181474
Deed Book / Page	594 / 363
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	435 HARRIS ST, SPRUCE PINE, NC 28777-3123
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000625/333
Date	Mar 16, 2021
Book Page	625/333
Instrument	2021000571

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 27, 2018
Property Address	435 HARRIS ST, SPRUCE PINE, NC 28777-3123
Document Number	000594/363
Book / Page	594 / 363
Map Reference	MB1 PG287
Instrument Date	Aug 24, 2018
Instrument	2018001474
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 HARRIS ST, SPRUCE PINE, NC 28777-3123

Mortgage

Document Number	2018001475
Date	Aug 27, 2018
Instrument	2018001475

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,230.00	$219,700 (-) Land $23,400 Building $196,300
2025	$1,230.00	$219,700 (-) Land $23,400 Building $196,300
2023	$1,230.00	$219,700 Land $23,400 Building $196,300	$219,700 Land $23,400 Building $196,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	3 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

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	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Zito Media Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Harris St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures