565 Valley Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 565 Valley Rd, Spruce Pine, NC 28777 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$261,000 (Sep 2023)
Tax Bill	$1,176 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0789-08-99-1159`

Property Details

APN / Parcel Number

Primary APN	`0789-08-99-1159`
Alternative APNs	`555783384` `555785103`

Exterior

Lot Area	44,867 sqft (1.03 acres)

Location & Zoning

Account Number	555785103
Street Address	565 VALLEY RD
City	SPRUCE PINE
State	NC
Zip	28777-8822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 58 BL 1 LOT 6A
Legal Lot Number	6A
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2016
Census Tract	950400

Owner

Source: Mitchell County records · APN 0789-08-99-1159

Assessment roll updated October 17, 2025 · Last verified August 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 File
Mailing Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 05, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BAXTER CU
Jan 09, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 05, 2023 · Amount on Record
Deed Sale	Sep 05, 2023 · Amount on Record
Prior Sale	Jan 09, 2019 · Amount on Record
Deed Document Number	20231793
Deed Book / Page	661 / 444
Prior Transfer Date	Jan 08, 2021
Prior Transfer Doc	623/90
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822
Transaction Type	Mortgage
Record Updated	Oct 09, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822

Mortgage

Document Number	000682/618
Date	Sep 30, 2025
Book Page	682/618
Instrument	2025001636

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Sep 05, 2023
Property Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822
Document Number	000661/444
Book / Page	661 / 444
Map Reference	MB 4 PG 114
Instrument Date	Aug 30, 2023
Instrument	2023001793
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$522.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822

Mortgage

Document Number	2023001794
Date	Sep 05, 2023
Instrument	2023001794

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Jan 19, 2021
Property Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822
Document Number	623/90
Book / Page	623 / 90
Map Reference	MB 4 PG 114
Instrument Date	Jan 08, 2021
Instrument	2021000134
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822

Mortgage

Document Number	2021000135
Date	Jan 19, 2021
Instrument	2021000135

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2036

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jan 09, 2019
Property Address	565 VALLEY RD, SPRUCE PINE, NC 28777-8822
Document Number	597/944
Book / Page	597 / 944
Map Reference	MB 4 PG 114
Instrument Date	Dec 05, 2018
Instrument	2019000036
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	709 GREENWOOD RD, SPRUCE PINE, NC 28777-3111

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified August 2026

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,176.00 (+5.38%)	$210,000 (+5.32%) Land $28,000 Building $182,000
2023	$1,116.00	$199,400 Land $28,000 Building $171,400	$184,800 Land $28,000

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 371219504002, 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	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 43% of North Carolina
Wildfire Likelihood	About 1 in 2,941 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 75 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

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

Mobile Coverage

5G and 4G LTE

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