Mitchell County property record for 548 Pond Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,392 sqft · built 1973 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,226 (2026) |
| Deeds & Mortgages | Jun 2026 Sale Jul 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0788-00-69-3361 |
| Primary APN | 0788-00-69-3361 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Wood |
| Lot Area | 34,848 sqft (0.8 acres) |
| Heating System | Space Heater |
|---|
| Account Number | 555780725 |
|---|---|
| Street Address | 548 POND RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1117 ROCK HOUSE RD |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2021 |
| 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 | 548 POND RD, SPRUCE PINE, NC 28777-9779 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 24, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Aug 1, 2018 | Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC |
| Aug 21, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 18, 2026 |
| Transfer Doc | 0000001076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jun 24, 2026 |
| Property Address | 548 POND RD, SPRUCE PINE, NC 28777-9779 |
| Document Number | 0000001076 |
| Book / Page | 691 / 118 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20261076 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 548 POND RD, SPRUCE PINE, NC 28777-9779 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 548 POND RD, SPRUCE PINE, NC 28777-9779 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000646/455 |
|---|---|
| Date | Jul 15, 2022 |
| Book Page | 646/455 |
| Instrument | 2022002101 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 548 POND RD, SPRUCE PINE, NC 28777-9779 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2018 |
| Name | Verified Name |
|---|
| Document Number | 593/507 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 593/507 |
| Instrument | 2018001300 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year LIBOR |
| Max Rate | 9.25% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 21, 2017 |
| Property Address | 548 POND RD, SPRUCE PINE, NC 28777-9779 |
| Document Number | 582/942 |
| Book / Page | 582 / 942 |
| Instrument Date | Aug 8, 2017 |
| Instrument | 2017001522 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $1,226.00 | $191,600 (-) Land $25,700 Building $165,900 | |
| 2025 | $1,226.00 (+1.57%) | $191,600 (-) Land $25,700 Building $165,900 | |
| 2023 | $1,207.00 | $191,600 Land $25,700 Building $165,900 | $191,600 Land $25,700 Building $165,900 |
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 | 3 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 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures