605 English Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 605 English Rd, Spruce Pine, NC 28777 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,458 sqft · built 1952
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$159,000 (Aug 2020)
Tax Bill	$1,090 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0880-20-70-7974`

Property Details

APN / Parcel Number

Primary APN	`0880-20-70-7974`
Alternative APN	`555782909`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,458 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555782909
Street Address	605 ENGLISH RD
City	SPRUCE PINE
State	NC
Zip	28777-2985
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 57 BL 4 LOT 9
Legal Lot Number	9
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1002
Census Tract	950400

Owner

Source: Mitchell County records · APN 0880-20-70-7974

Assessment roll updated October 17, 2025 · Last verified April 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	605 ENGLISH RD, SPRUCE PINE, NC 28777-2985
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Aug 18, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 18, 2020 · Amount on Record
Deed Sale	Aug 18, 2020 · Amount on Record
Deed Document Number	20201402
Deed Book / Page	616 / 503
Prior Transfer Date	May 30, 2013
Prior Transfer Doc	538/475
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	605 ENGLISH RD, SPRUCE PINE, NC 28777-2985
Transaction Type	Mortgage
Record Updated	Dec 12, 2023
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000663/812
Date	Nov 27, 2023
Book Page	663/812
Instrument	2023002294

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 01, 2043

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	605 ENGLISH RD, SPRUCE PINE, NC 28777-2985
Transaction Type	Mortgage
Record Updated	Oct 10, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000649/357
Date	Sep 23, 2022
Book Page	649/357
Instrument	2022002703

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 01, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 18, 2020
Property Address	605 ENGLISH RD, SPRUCE PINE, NC 28777-2985
Document Number	616/503
Book / Page	616 / 503
Instrument Date	Aug 17, 2020
Instrument	2020001402
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
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	605 ENGLISH RD, SPRUCE PINE, NC 28777-2985

Mortgage

Document Number	000616/509
Date	Aug 18, 2020
Book Page	616/509
Instrument	2020001403

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 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	$1,090.00	$194,700 (-) Land $23,100 Building $171,600
2023	$1,090.00	$194,700 Land $23,100 Building $171,600	$194,700 Land $23,100 Building $171,600

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 371219504001, 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	1 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm	Tropical Storm Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 3,448 per year
Exposure	Direct burnable vegetation at the parcel

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 72 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 / 35
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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