49 Elm St, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 49 Elm St, Spruce Pine, NC 28777

Property Summary

Property Type	Commercial
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Apr 2023)
Tax Bill	$704 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0890-14-33-5106`

Property Details

APN / Parcel Number

Primary APN	`0890-14-33-5106`
Alternative APNs	`002053403` `002016061`

Exterior

Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Account Number	002016061
Street Address	49 ELM ST
City	SPRUCE PINE
State	NC
Zip	28777-5130
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	MAP 9 BLK 1 LOT 27
Legal Block	1
Legal Lot Number	27
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1025
Census Tract	950300

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	29 ELM ST, SPRUCE PINE, NC 28777-5130
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Deed Document Number	2023759
Deed Book / Page	656 / 329
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 14, 2023
Property Address	49 ELM ST, SPRUCE PINE, NC 28777-5130
Document Number	000656/329
Book / Page	656 / 329
Instrument Date	Apr 13, 2023
Instrument	2023000759
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 ELM ST, SPRUCE PINE, NC 28777-5130

Mortgage

Document Number	2023000760
Date	Apr 14, 2023
Instrument	2023000760

Lender

Name	ROMONA HAGERMAN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	32 Months
Due	Dec 1, 2025

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	$704.00	$125,800 (-) Land $19,500 Building $106,300
2025	$704.00	$125,800 (-) Land $19,500 Building $106,300
2023	$704.00	$125,800 Land $19,500 Building $106,300	$125,800 Land $19,500 Building $106,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	0.06% annual chance
Exposure	Direct burnable vegetation

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 53 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 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elm St

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