44 Walnut Ave, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 44 Walnut Ave, Spruce Pine, NC 28777 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	39,640 sqft (0.91 acres)
Last Sale	$168,000 (2005)
Tax Bill	$1,764.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0890-17-12-9377`
Alternative APN	`555553247`

Exterior

Lot Area	39,640 sqft (0.91 acres)

Location & Zoning

Account Number	555553247
Street Address	44 WALNUT AVE
City	SPRUCE PINE
State	NC
Zip	28777-2976
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 9-17 BLK 10
Legal Block	10
Jurisdiction	MITCHELL NC
Minor Civil Division	GRASSY CREEK
Census Blockgroup	1
Census Block	1057
Census Tract	950300

Owner

Source: Mitchell County records · APN 0890-17-12-9377

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	774 SPRING CREEK RD, BAKERSVILLE, NC 28705-8458
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2005 · Amount on Record
Deed Sale	Jun 01, 2005 · Amount on Record
Deed Doc Number	0000416100
Deed Book / Page	416 / 100
Record Refreshed	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	44 WALNUT AVE, SPRUCE PINE, NC 28777-2976
Transaction Type	Mortgage
Record Updated	May 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	627/136
Date	Apr 30, 2021
Book Page	627/136
Instrument	2021000919

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	May 01, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	Other
Max Rate	7.37%

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025

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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$1,764.00	$315,000 (-) Land $32,000 Building $283,000
2023	$1,764.00	$315,000 Land $32,000 Building $283,000

Flood & Wildfire

44 Walnut Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 24th in North Carolina
Wildfire Likelihood	Low — about 1 in 3,333 per year
Exposure	Indirect within ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.