Mitchell County property record for 48 McRae Ct, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Sep 2021) |
| Tax Bill | $3,083 (2025) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-20-0824 |
| Primary APN | 0799-03-20-0824 |
|---|---|
| Alternative APNs |
|
| Lot Area | 19,602 sqft (0.45 acres) |
|---|
| Account Number | 555661067 |
|---|---|
| Street Address | 48 MCRAE CT |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HICKORY HILL LOT 35 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-03-20-0824
Assessment roll updated January 1, 2025 · Last verified October 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 48 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Feb 03, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 13, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 13, 2021 · Amount on Record |
| Deed Sale | Sep 13, 2021 · Amount on Record |
| Deed Document Number | 2021002038 |
| Deed Book / Page | 632 / 818 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 48 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Transaction Type | Mortgage |
| Record Updated | Apr 09, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC OH |
| Name | Verified Name |
|---|
| Document Number | 000666/926 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 666/926 |
| Instrument | 2024000494 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 48 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000639/458 |
|---|---|
| Date | Feb 03, 2022 |
| Book Page | 639/458 |
| Instrument | 2022000213 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 370 Months |
| Due | Dec 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 13, 2021 |
| Property Address | 48 MCRAE CT, SPRUCE PINE, NC 28777-8728 |
| Document Number | 000632/818 |
| Book / Page | 632 / 818 |
| Map Reference | MB 1 PG 164 |
| Instrument Date | Sep 09, 2021 |
| Instrument | 2021002038 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7896 HARBOR MASTER CT, DENVER, NC 28037-8099 |
| Name | Verified Name |
|---|---|
| Address | 7 AZALEA LN, SPRUCE PINE, NC 28777-5436 |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,083.00 (+33.64%) | $481,800 (+31.53%) Land $20,000 Building $461,800 |
| 2023 | $2,307.00 | $366,300 Land $20,000 Building $346,300 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371219504002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 38% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 70 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Zito West Holding | Fiber | 1,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Zito West Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.
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