Mitchell County property record for 644 Valley Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1940 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $237,500 (Aug 2026) |
| Tax Bill | $884 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0789-08-98-0746 |
| Primary APN | 0789-08-98-0746 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 555786426 |
|---|---|
| Street Address | 644 VALLEY RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRASSY CREEK LOT 8 BLK 3 |
| Legal Subdivision | MAP FILE 98-243 MS |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950400 |
Source: Mitchell County records, as of September 8, 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 Record |
|---|---|
| Mailing Address | 644 VALLEY RD, SPRUCE PINE, NC 28777-8823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2026 · Amount on Record |
| Deed Sale | Aug 4, 2026 · Amount on Record |
| Prior Sale | Jul 12, 2016 · Amount on Record |
| Deed Document Number | 20261351 |
| Deed Book / Page | 692 / 552 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 4, 2026 |
| Property Address | 644 VALLEY RD, SPRUCE PINE, NC 28777-8823 |
| Document Number | 0000001351 |
| Book / Page | 692 / 552 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20261351 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 VALLEY RD, SPRUCE PINE, NC 28777-8823 |
| Document Number | 0000001352, |
|---|---|
| Date | Aug 4, 2026 |
| Instrument | 20261352 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 644 VALLEY RD, SPRUCE PINE, NC 28777-8823 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 000640/175 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 640/175 |
| Instrument | 2022000365 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Mar 1, 2032 |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.12% |
| Index | Other |
| Max Rate | 8.12% |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $884.00 | $158,000 (-) Land $19,200 Building $138,800 | |
| 2025 | $884.00 | $158,000 (-) Land $19,200 Building $138,800 | |
| 2023 | $884.00 | $158,000 Land $19,200 Building $138,800 | $158,000 Land $19,200 Building $138,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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