Mitchell County property record for 63 Summit Ave, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1920 |
| Square Footage | 1,216 sqft Total Area |
| Lot Size | 1,742 sqft (0.04 acres) |
| Last Sale | $79,000 (2021) |
| Tax Bill | $432.00 (2025) |
Source: Mitchell County records · APN 0890-17-02-4065
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 | Individual Name on File |
|---|---|
| Mailing Address | 151 HOWARD LIPFORD DR, ELIZABETHTON, TN 37643-7712 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 08, 2017 | Warranty Deed, Transfer · Commercial Mortgage LOCAL GOVERNMENT FCU |
| Sep 08, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 28, 2021 · Amount on Record |
| Deed Sale | Oct 28, 2021 · Amount on Record |
| Prior Sale | Sep 08, 2017 · Amount on Record |
| Deed Doc Number | 20212475 |
| Deed Book / Page | 635 / 318 |
| Prior Transfer Date | Sep 06, 2017 |
| Prior Transfer Doc | 000583/639 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 63 SUMMIT AVE, SPRUCE PINE, NC 28777-5312 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000652/438 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 652/438 |
| Instrument | 2022003363 |
| 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 28, 2021 |
| Property Address | 63 SUMMIT AVE, SPRUCE PINE, NC 28777-5312 |
| Document Number | 000635/318 |
| Book / Page | 635 / 318 |
| Instrument Date | Oct 27, 2021 |
| Instrument | 2021002475 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $158.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 63 SUMMIT AVE, SPRUCE PINE, NC 28777-5312 |
| Name | Verified Name |
|---|---|
| Address | 151 HOWARD LIPFORD DR, ELIZABETHTON, TN 37643-7712 |
| Investor | Possibly a Property Investor |
| Document Number | 2021002476 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 2021002476 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Nov 01, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.75% |
| Index | 5-Year CMT |
| Max Rate | 8.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 08, 2017 |
| Property Address | 63 SUMMIT AVE, SPRUCE PINE, NC 28777-5312 |
| Document Number | 000583/636 |
| Book / Page | 583 / 636 |
| Map Reference | MB 526 PG 732 |
| Instrument Date | Sep 08, 2017 |
| Instrument | 2017001662 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $94.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1252, BAKERSVILLE, NC 28705-1252 |
| Document Number | 000583/643 |
|---|---|
| Date | Sep 08, 2017 |
| Book Page | 583/643 |
| Instrument | 2017001664 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Sep 08, 2017 |
| Property Address | 63 SUMMIT AVE, SPRUCE PINE, NC 28777-5312 |
| Document Number | 000583/639 |
| Book / Page | 583 / 639 |
| Map Reference | MB 583 PG 636 |
| Instrument Date | Sep 06, 2017 |
| Instrument | 2017001663 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 63 SUMMIT AVE, SPRUCE PINE, NC 28777-5312 |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
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 | $432.00 | $77,300 (-) Land $8,700 Building $68,600 | |
| 2023 | $432.00 | $77,300 Land $8,700 Building $68,600 | $76,100 Land $8,700 |
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 100 ft |
| Wildfire Risk | Low above 6% of the US · above 4% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 0890-17-02-4065 |
|---|---|
| Alternative APN |
|
| Building Area | 1,216 sqft Total Area |
|---|---|
| Stories | 1 Stories |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Wood Construction |
| Lot Area | 1,742 sqft (0.04 acres) |
| Heating System | HVAC Heating |
|---|
| Account Number | 555783912 |
|---|---|
| Street Address | 63 SUMMIT AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5312 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SUMMIT AVE |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 950400 |
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