Mitchell County property record for 56 Crystal Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,320 sqft · built 1994 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Apr 2024) |
| Tax Bill | $1,716 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-34-9659 |
| Primary APN | 0799-03-34-9659 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Wood |
| Lot Area | 18,731 sqft (0.43 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 555785944 |
|---|---|
| Street Address | 56 CRYSTAL DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RED OAK HILLS LOT PT 35 |
| Legal Subdivision | RED OAK HILLS SUBDIVISION |
| Legal Lot Number | PT. |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 950400 |
Source: Mitchell County records, as of September 28, 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 | 56 CRYSTAL DR, SPRUCE PINE, NC 28777-8512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Apr 24, 2024 | Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK |
| Feb 22, 2024 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2024 · Amount on Record |
| Deed Sale | Apr 24, 2024 · Amount on Record |
| Deed Document Number | 2024653 |
| Deed Book / Page | 667 / 747 |
| Prior Transfer Date | Dec 13, 2006 |
| Prior Transfer Doc | 450/134 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 21, 2026 |
| Property Address | 56 CRYSTAL DR, SPRUCE PINE, NC 28777-8512 |
| Document Number | 0000001680 |
| Book / Page | 694 / 240 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 20261680 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 56 CRYSTAL DR, SPRUCE PINE, NC 28777-8512 |
| Document Number | 0000001680, |
|---|---|
| Date | Sep 21, 2026 |
| Book Page | 694/240 |
| Instrument | 20261680 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Apr 24, 2024 |
| Property Address | 56 CRYSTAL DR, SPRUCE PINE, NC 28777-8512 |
| Document Number | 000667/747 |
| Book / Page | 667 / 747 |
| Map Reference | MB 102 PG 477 |
| Instrument Date | Apr 24, 2024 |
| Instrument | 2024000653 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 60 VANCE DR, SPRUCE PINE, NC 28777-6501 |
| Name | Verified Name |
|---|---|
| Address | 352 ENGLISH RD, SPRUCE PINE, NC 28777-2937 |
| Document Number | 2024000654 |
|---|---|
| Date | Apr 24, 2024 |
| Instrument | 2024000654 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Number | 000667/766 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | 667/766 |
| Instrument | 2024000655 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CLARENDON HILLS, IL 60514 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Feb 22, 2024 |
| Property Address | 56 CRYSTAL DR, SPRUCE PINE, NC 28777-8512 |
| Document Number | 000666/114 |
| Book / Page | 666 / 114 |
| Instrument Date | Feb 21, 2024 |
| Instrument | 2024000300 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 56 CRYSTAL DR, SPRUCE PINE, NC 28777-8512 |
| Name | Verified Name |
|---|---|
| Address | 551 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9773 |
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 | $1,716.00 | $268,200 (-) Land $25,000 Building $243,200 | |
| 2025 | $1,716.00 (+1.6%) | $268,200 (-) Land $25,000 Building $243,200 | |
| 2023 | $1,689.00 | $268,200 Land $25,000 Building $243,200 | $268,200 Land $25,000 Building $243,200 |
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 50% of the US · above 71% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Zito Media Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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