48 Timberlane Dr, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 48 Timberlane Dr, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	936 sqft
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$49,000 (Apr 2022)
Tax Bill	$521 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0880-19-51-5563`

Property Details

APN / Parcel Number

Primary APN	`0880-19-51-5563`
Alternative APNs	`555781659` `555784321`

Interior

Building Area	936 sqft Living Area

Exterior

Lot Area	19,602 sqft (0.45 acres)

Location & Zoning

Account Number	555784321
Street Address	48 TIMBERLANE DR
City	SPRUCE PINE
State	NC
Zip	28777-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF 19E
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2000
Census Tract	950400

Owner

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	48 TIMBERLANE DR, SPRUCE PINE, NC 28777-8804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2022 · Amount on Record
Deed Sale	Apr 27, 2022 · Amount on Record
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	20221513
Deed Book / Page	643 / 589
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	48 TIMBERLANE DR, SPRUCE PINE, NC 28777-8804
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000661/811
Date	Sep 18, 2023
Book Page	661/811
Instrument	2023001869

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 27, 2022
Property Address	48 TIMBERLANE DR, SPRUCE PINE, NC 28777-8804
Document Number	000643/589
Book / Page	643 / 589
Instrument Date	Apr 26, 2022
Instrument	2022001513
Transaction Type	Transfer
Record Updated	May 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 HIGHLAND AVENUE EXT, 133, SPRUCE PINE, NC 28777-8112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 TIMBERLANE DR, SPRUCE PINE, NC 28777-8804

Mortgage

Document Number	2022001514
Date	Apr 27, 2022
Instrument	2022001514

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	May 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Dec 31, 2020
Property Address	48 TIMBERLANE DR, SPRUCE PINE, NC 28777-8804
Document Number	622/478
Book / Page	622 / 478
Instrument Date	Dec 31, 2020
Instrument	2020002470
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 HIGHLAND AVENUE EXT, SPRUCE PINE, NC 28777-8112

Mortgage

Document Number	2020002471
Date	Dec 31, 2020
Instrument	2020002471

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$521.00	$93,100 (-) Land $23,000 Building $70,100
2025	$521.00	$93,100 (-) Land $23,000 Building $70,100
2023	$521.00	$93,100 Land $23,000 Building $70,100	$93,100 Land $23,000 Building $70,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Zito Media Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon.

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