Mitchell County property record for 54 Cline Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,009 sqft · built 1989 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $152,500 (Aug 2017) |
| Tax Bill | $2,098 (2026) |
| Deeds & Mortgages | May 2022 Document Dec 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-34-0818 |
| Primary APN | 0799-03-34-0818 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,009 sqft Living Area |
| Basement Area | 1,339 sqft |
| Unfinished Basement | 1,339 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,363 sqft (0.72 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Heating System | Steam |
|---|
| Account Number | 555780751 |
|---|---|
| Street Address | 54 CLINE DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1117 IVY RIDGE DEV LOT # |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 950400 |
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 | 54 CLINE DR, SPRUCE PINE, NC 28777-8530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2022 | |
| Dec 17, 2019 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 11, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2017 · Amount on Record |
| Deed Sale | Aug 11, 2017 · Amount on Record |
| Deed Document Number | 20171475 |
| Deed Book / Page | 582 / 721 |
| Record Updated | Oct 29, 2026 |
| Jurisdiction | MITCHELL NC |
|---|---|
| Recording Date | May 13, 2022 |
| Property Address | 54 CLINE DR, SPRUCE PINE, NC 28777-8530 |
| Document Number | 000644/231 |
| Book / Page | 644 / 231 |
| Instrument Date | May 11, 2022 |
| Instrument | 2022001629 |
| Record Updated | May 24, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 54 CLINE DR, 54, SPRUCE PINE, NC 28777-8530 |
| Name | Verified Name |
|---|---|
| Address | 24 REIDY RD, BAKERSVILLE, NC 28705-8918 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 54 CLINE DR, SPRUCE PINE, NC 28777-8530 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 609/058 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 609/058 |
| Instrument | 2019002279 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 11, 2017 |
| Property Address | 54 CLINE DR, SPRUCE PINE, NC 28777-8530 |
| Document Number | 582/721 |
| Book / Page | 582 / 721 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 2017001475 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $305.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4821 CANE CREEK RD, BAKERSVILLE, NC 28705-8164 |
| Document Number | 582/725 |
|---|---|
| Date | Aug 11, 2017 |
| Book Page | 582/725 |
| Instrument | 2017001477 |
| Name | UNITED COMMUNITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,098.00 | $327,900 (-) Land $27,900 Building $300,000 | |
| 2025 | $2,098.00 (+1.6%) | $327,900 (-) Land $27,900 Building $300,000 | |
| 2023 | $2,065.00 | $327,900 Land $27,900 Building $300,000 | $327,900 Land $27,900 Building $300,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: FCC Broadband Data Collection, based on 70 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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