Mitchell County property record for 449 Pine Tree Rd, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1997 |
| Square Footage | 1,440 sqft Living Area |
| Lot Size | 126,760 sqft (2.91 acres) |
| Tax Bill | $1,738.00 (2025) |
| Primary APN | 0778-00-22-0519 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,440 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Wood Construction |
| Lot Area | 126,760 sqft (2.91 acres) |
| Heating System | Central Heating |
|---|
| Account Number | 555553994 |
|---|---|
| Street Address | 449 PINE TREE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 16 ALPINE MOUNTAIN |
| Legal Subdivision | ALPINE MOUNTAIN |
| Legal Tract | 16 |
| Legal Lot Number | 16 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2052 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0778-00-22-0519
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 | PO BOX 141, LITTLE SWITZERLAND, NC 28749-0141 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 31, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jan 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Apr 10, 2006 |
| Transfer Doc | 000436/251 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 449 PINE TREE RD, SPRUCE PINE, NC 28777 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 449 PINE TREE RD, SPRUCE PINE, NC 28777 |
| Document Number | 000650/909 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 650/909 |
| Instrument | 2022003032 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 04, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 449 PINE TREE RD, SPRUCE PINE, NC 28777 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000576/830 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 576/830 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 449 PINE TREE RD, SPRUCE PINE, NC 28777 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000636/493 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 636/493 |
| Instrument | 2021002706 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | DOUGLASVILLE, GA 30154 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 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 | $1,738.00 (+1.58%) | $271,600 (-) Land $49,100 Building $222,500 | |
| 2023 | $1,711.00 | $271,600 Land $49,100 Building $222,500 | $271,600 Land $49,100 Building $222,500 |
449 Pine Tree 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 49th percentile of exposed land nationally · 70th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 943 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures