Mitchell County property record for 596 English Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 4,140 sqft · built 1931 |
| Lot Size | 0.81 acres (35,284 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,468 (2026) |
| Deeds & Mortgages | Apr 2022 Line of Credit Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0880-20-71-7214 |
| Primary APN | 0880-20-71-7214 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,140 sqft Living Area |
| Basement Area | 2,164 sqft |
| Unfinished Basement | 2,164 sqft |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 35,284 sqft (0.81 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Heating System | Steam |
|---|
| Account Number | 555554602 |
|---|---|
| Street Address | 596 ENGLISH RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2987 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ENGLISH RD |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 950400 |
596 English Rd is owned and occupied by two individuals.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 596 ENGLISH RD, SPRUCE PINE, NC 28777-2987 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 19, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jul 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 596 ENGLISH RD, SPRUCE PINE, NC 28777-2987 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 596 ENGLISH RD, SPRUCE PINE, NC 28777-2987 |
| Document Number | 000642/902 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 642/902 |
| Instrument | 2022001135 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 596 ENGLISH RD, SPRUCE PINE, NC 28777-2987 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2018 |
| Name | Verified Name |
|---|
| Document Number | 592/755 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 592/755 |
| Instrument | 2018001147 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2033 |
The 2026 property tax bill for 596 English Rd was $2,468.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,468.00 | $440,800 (-) Land $33,500 Building $407,300 | |
| 2025 | $2,468.00 | $440,800 Land $33,500 Building $407,300 | |
| 2023 | $2,457.00 | $438,900 Land $33,500 Building $405,400 | $438,900 Land $33,500 Building $405,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 596 English Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.
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 | 1 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
Wildfire risk around 596 English Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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