534 Larkin Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 534 Larkin Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,670 sqft · built 1974
Lot Size	5.51 acres (240,016 sqft)
Owner	Individual on Record
Last Sale	$325,000 (Jan 2018)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0890-00-51-8956`

Property Details

APN / Parcel Number

Primary APN	`0890-00-51-8956`
Alternative APN	`555781646`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,670 sqft Living Area

Exterior

Year Built	Built 1974
Construction Type	Wood
Lot Area	240,016 sqft (5.51 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555781646
Street Address	534 LARKIN LN
City	SPRUCE PINE
State	NC
Zip	28777-0379
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	534 LARKIN LANE
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3009
Census Tract	950300

Owner

Source: Mitchell County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	534 LARKIN LN, SPRUCE PINE, NC 28777-0379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2018 · Amount on Record
Deed Sale	Jan 8, 2018 · Amount on Record
Prior Sale	Oct 29, 2008 · Amount on Record
Deed Document Number	2018000022
Deed Book / Page	587 / 364
Record Updated	Jun 8, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jan 8, 2018
Property Address	534 LARKIN LN, SPRUCE PINE, NC 28777-0379
Document Number	000587/364
Book / Page	587 / 364
Map Reference	MB 482 PG 715
Instrument Date	Jan 8, 2018
Instrument	2018000022
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	795 HIRAM CLARK RD, 795, ELIZABETHTON, TN 37643-1910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 LARKIN LN, SPRUCE PINE, NC 28777-0379

Mortgage

Document Number	000587/367
Date	Jan 8, 2018
Book Page	587/367
Instrument	2018000023

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	9.37%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Mitchell County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,609.00 (+1.6%)	$407,700 (-) Land $88,300 Building $319,400
2023	$2,568.00	$407,700 Land $88,300 Building $319,400

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

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 Claims	2 (1983–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1996 · rainfall accumulation

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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.08% 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.

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