54 Cabin Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 54 Cabin Rd, Spruce Pine, NC 28777 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on File
Tax Bill	$720 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`0890-15-54-9284`

Property Details

APN / Parcel Number

Primary APN	`0890-15-54-9284`
Alternative APN	`005004269`

Exterior

Lot Area	22,651 sqft (0.519 acres)

Location & Zoning

Account Number	005004269
Street Address	54 CABIN RD
City	SPRUCE PINE
State	NC
Zip	28777-8969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:092 CITY/MUNI/TWP:TOWN OF SPRUCE PINE
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1080
Census Tract	950300

Owner

Source: Mitchell County records · APN 0890-15-54-9284

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	54 CABIN RD, SPRUCE PINE, NC 28777-8969
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 2022
Deed Sale	Jun 16, 2022
Prior Sale	Apr 26, 2022 · Amount on Record
Deed Document Number	2022001894
Deed Book / Page	645 / 322
Record Updated	Jun 08, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 26, 2022
Property Address	54 CABIN RD, SPRUCE PINE, NC 28777-8969
Document Number	000643/512
Book / Page	643 / 512
Map Reference	MB 4 PG 303
Instrument Date	Apr 26, 2022
Instrument	2022001502
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1519 DEER PARK LAKE RD, SPRUCE PINE, NC 28777-8480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CABIN RD, SPRUCE PINE, NC 28777-8969

Mortgage

Document Number	2022001503
Date	Apr 26, 2022
Instrument	2022001503

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Mar 01, 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%

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
Municipality	Spruce Pine Town
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	$720.00	$128,100 Land $16,900 Building $111,200

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 371219503001, 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	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	About 1 in 1,408 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 42 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
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Zito West Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.