Mitchell County property record for 598 Summit Ave, Spruce Pine, NC 28777 · Last verified November 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1920 |
| Square Footage | 992 sqft Living Area |
| Lot Size | 5,227 sqft (0.119 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $195,000 (2025) |
| Tax Bill | $562.00 (2025) |
| Primary APN | 0799-05-09-5632 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 992 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1920 |
|---|---|
| Construction Type | Wood Construction |
| Foundation Type | Raised Foundation |
| Lot Area | 5,227 sqft (0.119 acres) |
| Heating System | Space Heating |
|---|
| Account Number | 555783930 |
|---|---|
| Street Address | 598 SUMMIT AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3466 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | DIST:092 CITY/MUNI/TWP:TOWN OF SPRUCE PINE |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 3 |
| Census Block | 3024 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-05-09-5632
Assessment roll updated January 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 598 SUMMIT AVE, SPRUCE PINE, NC 28777-3466 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 23, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 10, 2025 · Amount on Record |
| Deed Sale | Oct 10, 2025 · Amount on Record |
| Prior Sale | Nov 12, 2021 · Amount on Record |
| Deed Doc Number | 2025001717 |
| Deed Book / Page | 683 / 110 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 598 SUMMIT AVE, SPRUCE PINE, NC 28777-3466 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000610/184 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 610/184 |
| Instrument | 2020000115 |
| 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 (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Oct 10, 2025 |
| Property Address | 598 SUMMIT AVE, SPRUCE PINE, NC 28777-3466 |
| Document Number | 000683/110 |
| Book / Page | 683 / 110 |
| Instrument Date | Oct 08, 2025 |
| Instrument | 2025001717 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 R B DEYTON RD, GREEN MOUNTAIN, NC 28740-6272 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 598 SUMMIT AVE, SPRUCE PINE, NC 28777-3466 |
| Document Number | 2025001718 |
|---|---|
| Date | Oct 10, 2025 |
| Instrument | 2025001718 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
| Type Change Date | Nov 01, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.9% |
| Max Rate At Change | 7.9% |
| Index | 5-Year TN |
| Max Rate | 11.9% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Nov 12, 2021 |
| Property Address | 598 SUMMIT AVE, SPRUCE PINE, NC 28777-3466 |
| Document Number | 636/175 |
| Book / Page | 636 / 175 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021002641 |
| Transaction Type | Transfer |
| Record Updated | Dec 02, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 372, LITTLE SWITZERLAND, NC 28749-0372 |
| Name | Verified Name |
|---|---|
| Address | 598 SUMMIT AVE, SPRUCE PINE, NC 28777-3466 |
| Document Number | 2021002642 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 2021002642 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Dec 01, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Index | 5-Year CMT |
| Max Rate | 9.15% |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $562.00 | $100,400 (-) Land $16,500 Building $83,900 |
| 2023 | $562.00 | $100,400 Land $16,500 Building $83,900 |
598 Summit Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Mitchell County (37121C), updated May 2, 2018
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 36th percentile of exposed land nationally · 51st in North Carolina |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,703 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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