Mitchell County property record for 455 Valley Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,484 sqft · built 1992 |
| Lot Size | 2.19 acres (95,396 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $284,000 (Mar 2021) |
| Tax Bill | $1,381 (2026) |
| Deeds & Mortgages | Dec 2023 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0789-08-99-4438 |
| Primary APN | 0789-08-99-4438 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,484 sqft Living Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Wood |
| Lot Area | 95,396 sqft (2.19 acres) |
| Heating System | Steam |
|---|
| Account Number | 555783385 |
|---|---|
| Street Address | 455 VALLEY RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 58 BL 1 LOT 4 |
| Legal Lot Number | 4 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950400 |
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 | 455 VALLEY RD, SPRUCE PINE, NC 28777-3229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Mar 30, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 19, 2019 | Gift Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2021 · Amount on Record |
| Deed Sale | Mar 30, 2021 · Amount on Record |
| Prior Sale | Apr 17, 2015 · Amount on Record |
| Deed Document Number | 2021681 |
| Deed Book / Page | 625 / 884 |
| Prior Transfer Date | Dec 17, 2019 |
| Prior Transfer Doc | 609/191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 455 VALLEY RD, SPRUCE PINE, NC 28777-3229 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|---|
| Address | 455 VALLEY RD, SPRUCE PINE, NC 28777-3229 |
| Document Number | 000664/569 |
|---|---|
| Date | Dec 20, 2023 |
| Book Page | 664/569 |
| Instrument | 2023002496 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Mar 30, 2021 |
| Property Address | 455 VALLEY RD, SPRUCE PINE, NC 28777-3229 |
| Document Number | 625/884 |
| Book / Page | 625 / 884 |
| Instrument Date | Mar 23, 2021 |
| Instrument | 2021000681 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $568.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 455 VALLEY RD, SPRUCE PINE, NC 28777-3229 |
| Document Number | 2021000682 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 2021000682 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Dec 19, 2019 |
| Property Address | 455 VALLEY RD, SPRUCE PINE, NC 28777-3229 |
| Document Number | 609/191 |
| Book / Page | 609 / 191 |
| Instrument Date | Dec 17, 2019 |
| Instrument | 2019002299 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 455 VALLEY RD, SPRUCE PINE, NC 28777-3229 |
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 | $1,381.00 | $291,700 (-) Land $41,800 Building $249,900 | |
| 2025 | $1,381.00 | $291,700 (-) Land $41,800 Building $249,900 | |
| 2023 | $1,381.00 | $291,700 Land $41,800 Building $249,900 | $291,700 Land $41,800 Building $249,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
| Adjoins Burnable Land | Yes |
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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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