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609 Valley Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 609 Valley Rd, Spruce Pine, NC 28777 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details1,380 sqft
Lot Size1.51 acres (65,776 sqft)
OwnerIndividual Name on File
Last Sale$235,000 (Jul 2026)
Tax Bill$966 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Jul 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN0789-08-99-1030

Property Details

APN / Parcel Number

Primary APN0789-08-99-1030
Alternative APNs
  • 001089168
  • 555785604

Interior

Building Area1,380 sqft Living Area

Exterior

Lot Area65,776 sqft (1.51 acres)

Location & Zoning

Account Number555785604
Street Address609 VALLEY RD
CitySPRUCE PINE
StateNC
Zip28777-8823
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMAP 58 BL 1 LOT 7
Legal Lot Number7
JurisdictionMITCHELL NC
Township / Civil DivisionGRASSY CREEK
Census Block Group2
Census Block2016
Census Tract950400

Owner

Source: Mitchell County records · APN 0789-08-99-1030

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 RecordIndividual Name on File
Mailing Address609 VALLEY RD, SPRUCE PINE, NC 28777-8823
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2026Warranty Deed, Transfer · Conventional Mortgage
UNITED COMMUNITY BANK
Jul 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
UNITED COMMUNITY BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 28, 2026 · Amount on Record
Deed SaleJul 28, 2026 · Amount on Record
Deed Document Number20261304
Deed Book / Page692 / 269
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMITCHELL NC
Recording DateJul 28, 2026
Property Address609 VALLEY RD, SPRUCE PINE, NC 28777-8823
Document Number0000001304
Book / Page692 / 269
Instrument DateJul 27, 2026
Instrument20261304
Transaction TypeTransfer
Record UpdatedAug 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$47,470.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address609 VALLEY RD, SPRUCE PINE, NC 28777-8823

Mortgage

Document Number0000001305,
DateJul 28, 2026
Instrument20261305
Lender
NameUNITED COMMUNITY BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeFixed Rate
Rate6.52%
Initial TypeFixed Rate
Max Rate-1%

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMITCHELL NC
Recording DateJul 28, 2026
Property Address609 VALLEY RD, SPRUCE PINE, NC 28777-8823
Document Number0000001305
Book / Page692 / 274
Instrument DateJul 27, 2026
Instrument20261305
Transaction TypeMortgage
Record UpdatedAug 04, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address5189 NEALS MILL RD, DEARING, GA 30808-2603

Mortgage

Document Number0000001305,
DateJul 28, 2026
Book Page692/274
Instrument20261305
Lender
NameUNITED COMMUNITY BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeFixed Rate
Rate6.49%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMitchell County
MunicipalitySpruce Pine Town
Unified School DistrictMitchell 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.

YearTax BillAssessed ValueAssessed Market Value
2025$966.00$172,600 (-) Land $35,200 Building $137,400
2023$966.00$172,600 Land $35,200 Building $137,400$172,600 Land $35,200 Building $137,400

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 24% of North Carolina
Wildfire LikelihoodAbout 1 in 2,703 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
Zito West HoldingFiber1,000 / 1,000
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 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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