Mitchell County property record for 603 Summit Ave, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1949 |
| Square Footage | 904 sqft Living Area |
| Lot Size | 14,375 sqft (0.33 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $90,000 (2018) |
| Tax Bill | $992.00 (2025) |
| Primary APN | 0799-05-09-6453 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 904 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1949 |
|---|---|
| Construction Type | Wood Construction |
| Lot Area | 14,375 sqft (0.33 acres) |
| Heating System | Central Heating |
|---|
| Account Number | 555781437 |
|---|---|
| Street Address | 603 SUMMIT AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8920 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MAP 56 BL 3 LOT 11 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 3 |
| Census Block | 3021 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-05-09-6453
Assessment roll updated January 1, 2025 · Last verified October 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 |
|---|---|
| Mailing Address | 603 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 12, 2018 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 12, 2018 · Amount on Record |
| Deed Sale | Apr 12, 2018 · Amount on Record |
| Deed Doc Number | 2018000591 |
| Deed Book / Page | 589 / 909 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 603 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000642/800 |
|---|---|
| Date | Apr 18, 2022 |
| Book Page | 642/800 |
| Instrument | 2022001118 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Apr 12, 2018 |
| Property Address | 603 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Document Number | 589/909 |
| Book / Page | 589 / 909 |
| Map Reference | MB 1 PG 31 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 2018000591 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 PINEY MOUNTAIN DR # DR428, 55, ASHEVILLE, NC 28805-1297 |
| Name | Verified Name |
|---|---|
| Address | 603 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Document Number | 2018000592 |
|---|---|
| Date | Apr 12, 2018 |
| Instrument | 2018000592 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 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 | $992.00 | $177,300 (-) Land $33,000 Building $144,300 |
| 2023 | $992.00 | $177,300 Land $33,000 Building $144,300 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 36% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 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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