Mitchell County property record for 46 Walnut Straight, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,020 (2026) |
| Deeds & Mortgages | Jul 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-00-87-0511 |
| Primary APN | 0799-00-87-0511 |
|---|---|
| Alternative APN |
|
| Lot Area | 217,800 sqft (5 acres) |
|---|
| Account Number | 555783754 |
|---|---|
| Street Address | 46 WALNUT STRAIGHT |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3005 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 46 WALNUT STRAIGHT, SPRUCE PINE, NC 28777-5618 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 46 WALNUT STRAIGHT, SPRUCE PINE, NC 28777-5618 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 737 ROLLING RIDGE LOOP, BURNSVILLE, NC 28714-4834 |
| Investor | Possibly a Property Investor |
| Document Number | 00000660/9 |
|---|---|
| Date | Jul 24, 2023 |
| Book Page | 660/9 |
| Instrument | 2023001492 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Aug 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8% |
| Type Change Date | Aug 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 13% |
| Index | SOFR Average 30-Day |
| Max Rate | 13% |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,020.00 | $471,900 (-) Land $81,000 Building $390,900 | |
| 2025 | $3,020.00 (+1,031.09%) | $471,900 (+1,010.35%) Land $81,000 Building $390,900 | |
| 2023 | $267.00 | $42,500 Land $42,500 | $42,500 Land $42,500 |
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 | 2 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 | Moderate above 47% of the US · above 68% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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