Mitchell County property record for 457 Overlook Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,215 sqft · built 1952 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $478 (2026) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-06-49-3763 |
| Primary APN | 0799-06-49-3763 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,215 sqft Living Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 44,867 sqft (1.03 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555786334 |
|---|---|
| Street Address | 457 OVERLOOK DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 11 BLK 4 LOT 4 |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 950300 |
457 Overlook Dr is owned and occupied by an individual who acquired it in May 2026.
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 | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| May 8, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| May 8, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| May 7, 2026 | Correction Deed NONE LISTED ON DOCUMENT |
| Sep 18, 2023 | Intrafamily Transfer, Transfer |
| Sep 18, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2026 |
| Deed Sale | May 8, 2026 |
| Prior Sale | May 8, 2025 · Amount on File |
| Deed Document Number | 2026808 |
| Deed Book / Page | 689 / 753 |
| Prior Transfer Date | Sep 18, 2023 |
| Prior Transfer Doc | 000661/817 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 8, 2026 |
| Property Address | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Document Number | 0000000808 |
| Book / Page | 689 / 753 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026808 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Document Number | 0000000809, |
|---|---|
| Date | May 8, 2026 |
| Instrument | 2026809 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 8, 2026 |
| Property Address | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Document Number | 000689/753 |
| Book / Page | 689 / 753 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026808 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Document Number | 0000000809, |
|---|---|
| Date | May 8, 2026 |
| Instrument | 2026809 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 7, 2026 |
| Property Address | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Document Number | 0000000800 |
| Book / Page | 689 / 723 |
| Instrument Date | May 2, 2026 |
| Instrument | 2026800 |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 191 RICE ML, SAINT SIMONS ISLAND, GA 31522-5452 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 18, 2023 |
| Property Address | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Document Number | 000661/817 |
| Book / Page | 661 / 817 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 2023001870 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 191 RICE ML, SAINT SIMONS ISLAND, GA 31522-5452 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 191 RICE MILL, SAINT SIMONS ISLAND, GA 31522-5452 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 18, 2023 |
| Property Address | 457 OVERLOOK DR, SPRUCE PINE, NC 28777-8938 |
| Document Number | 000661/817 |
| Book / Page | 661 / 817 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 2023001870 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 191 RICE ML, ST SIMONS ISLAND, GA 31522-5452 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 191 RICE MILL, ST SIMONS ISLAND, GA 31522-5452 |
The 2026 property tax bill for 457 Overlook Dr was $478, down 46% from the year before.
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 | $478.00 (-46.05%) | $130,500 (-17.56%) Land $32,300 Building $98,200 | |
| 2025 | $886.00 | $158,300 Land $60,100 Building $98,200 | |
| 2023 | $886.00 | $158,300 Land $60,100 Building $98,200 | $158,300 Land $60,100 Building $98,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 457 Overlook Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 Claims | 2 (1983–1996) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1996 · rainfall accumulation |
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 457 Overlook Dr is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 80 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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