Mitchell County property record for 440 Oak Ave, Spruce Pine, NC 28777
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 840 sqft · built 1985 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $282 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-17-21-1883 |
| Primary APN | 0890-17-21-1883 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 840 sqft Total Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 555782988 |
|---|---|
| Street Address | 440 OAK AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2726 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | MAP 10 BL 3 LOT 3 |
| Legal Lot Number | 3 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 950300 |
440 Oak Ave, a commercial property, is owned by an individual.
Source: Mitchell County records, as of September 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 323 W MOUNTAIN RD, SPRUCE PINE, NC 28777-8420 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Mitchell County assessment roll, as of September 8, 2026
| 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $282.00 | $50,500 (-) Land $18,400 Building $32,100 | |
| 2025 | $282.00 | $50,500 (-) Land $18,400 Building $32,100 | |
| 2023 | $282.00 | $50,500 Land $18,400 Building $32,100 | $50,500 Land $18,400 Building $32,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Oak Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 440 Oak Ave is low, with a 0.03% annual chance of wildfire.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
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