Mitchell County property record for 632 Summit Ave, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1950 |
| Square Footage | 880 sqft Living Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $668.00 (2025) |
| Primary APN | 0799-05-09-4325 |
|---|---|
| Alternative APN |
|
| Total Rooms | 6 Rooms |
|---|---|
| Building Area | 880 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Wood Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 43,560 sqft (1 acres) |
| Heating System | Central Heating |
|---|
| Account Number | 555587141 |
|---|---|
| Street Address | 632 SUMMIT AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8920 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MAP 53 BL 1 LOT 13 |
| Legal Lot Number | 13 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 3 |
| Census Block | 3024 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-05-09-4325
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 | Trust Name on File |
|---|---|
| Mailing Address | 632 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| May 16, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Aug 02, 2021 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Aug 17, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Aug 17, 2020 |
| Transfer Doc | 616/455 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 632 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1343 WASHINGTON BLVD NW, LAKE PLACID, FL 33852-6703 |
| Document Number | 000657/620 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 657/620 |
| Instrument | 2023001026 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 632 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 632 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Document Number | 630/804 |
|---|---|
| Date | Aug 02, 2021 |
| Book Page | 630/804 |
| Instrument | 2021001654 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 12, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 17, 2020 |
| Property Address | 632 SUMMIT AVE, SPRUCE PINE, NC 28777-8920 |
| Document Number | 616/455 |
| Book / Page | 616 / 455 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 2020001391 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 708 LANOVER CIRCLE, NAPLES, FL 34104-8326 |
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 | $668.00 | $119,400 (-) Land $22,000 Building $97,400 | |
| 2023 | $668.00 | $119,400 Land $22,000 Building $97,400 | $119,400 Land $22,000 Building $97,400 |
632 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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