50 McRae Ct, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 50 McRae Ct, Spruce Pine, NC 28777 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,323 sqft · built 1999
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Aug 2019)
Tax Bill	$1,655 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0799-03-20-2615`

Property Details

APN / Parcel Number

Primary APN	`0799-03-20-2615`
Alternative APN	`555782236`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,323 sqft Living Area

Exterior

Year Built	Built 1999
Construction Type	Wood
Foundation Type	Raised
Lot Area	20,909 sqft (0.48 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	555782236
Street Address	50 MCRAE CT
City	SPRUCE PINE
State	NC
Zip	28777-8728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCRAE COURT LOT 32
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2021
Census Tract	950400

Owner

Source: Mitchell County records · APN 0799-03-20-2615

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	50 MCRAE CT, SPRUCE PINE, NC 28777-8728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Aug 27, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 27, 2019 · Amount on Record
Deed Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	2019001540
Deed Book / Page	605 / 154
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	50 MCRAE CT, SPRUCE PINE, NC 28777-8728
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000587/011
Date	Dec 27, 2017
Book Page	587/011
Instrument	2017002426

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	50 MCRAE CT, SPRUCE PINE, NC 28777-8728
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000628/938
Date	Jun 15, 2021
Book Page	628/938
Instrument	2021001278

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 27, 2019
Property Address	50 MCRAE CT, SPRUCE PINE, NC 28777-8728
Document Number	000605/154
Book / Page	605 / 154
Map Reference	MB 1 PG 164
Instrument Date	Aug 27, 2019
Instrument	2019001540
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 MCRAE CT, SPRUCE PINE, NC 28777-8728

Mortgage

Document Number	000605/157
Date	Aug 27, 2019
Book Page	605/157
Instrument	2019001541

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$1,655.00 (+1.6%)	$258,600 (-) Land $30,000 Building $228,600
2023	$1,629.00	$258,600 Land $30,000 Building $228,600

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	About 1 in 1,613 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Zito West Holding	Fiber	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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