Mitchell County property record for 45 Andrea Ct, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1940 |
| Square Footage | 1,168 sqft Living Area |
| Lot Size | 40,946 sqft (0.94 acres) |
| Last Sale | $127,500 (2019) |
| Tax Bill | $967.00 (2025) |
| Primary APN | 0799-09-06-2046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,168 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Wood Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 40,946 sqft (0.94 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 555782396 |
|---|---|
| Street Address | 45 ANDREA CT |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8900 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1119 |
| Legal Subdivision | F R SHAFFER C E |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 2 |
| Census Block | 2042 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-09-06-2046
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 374, CROSSNORE, NC 28616-0374 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Jan 04, 2019 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) HIGHLANDS UNION BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 04, 2019 · Amount on Record |
| Deed Sale | Jan 04, 2019 · Amount on Record |
| Prior Sale | Sep 16, 2011 · Amount on Record |
| Deed Doc Number | 201918 |
| Deed Book / Page | 597 / 824 |
| Prior Transfer Date | Apr 30, 2008 |
| Prior Transfer Doc | 000475/230 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 45 ANDREA CT, SPRUCE PINE, NC 28777-8900 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000623/266 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 623/266 |
| Instrument | 2021000172 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jan 04, 2019 |
| Property Address | 45 ANDREA CT, SPRUCE PINE, NC 28777-8900 |
| Document Number | 000597/824 |
| Book / Page | 597 / 824 |
| Instrument Date | Jan 04, 2019 |
| Instrument | 2019000018 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 374, CROSSNORE, NC 28616-0374 |
| Document Number | 2019000019 |
|---|---|
| Date | Jan 04, 2019 |
| Instrument | 2019000019 |
| Name | HIGHLANDS UNION BANK |
|---|---|
| Type | Bank |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Feb 01, 2029 |
| Min Rate At Change | 6.12% |
| Max Rate At Change | 8.12% |
| Index | Other |
| Max Rate | 11.1% |
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 | $967.00 (+1.58%) | $151,200 (-) Land $26,600 Building $124,600 | |
| 2023 | $952.00 | $151,200 Land $26,600 Building $124,600 | $151,200 Land $26,600 Building $124,600 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,613 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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