Mitchell County property record for 651 Overlook Dr, Spruce Pine, NC 28777
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,158 sqft · built 1984 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $414 (2026) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-18-40-4845C |
| Primary APN | 0890-18-40-4845C |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Units | 4 Units |
| Stories | 1 Story |
| Building Area | 1,158 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Condo/Apartment |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 43,560 sqft (1 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 555554363 |
|---|---|
| Street Address | 651 OVERLOOK DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8904 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | BUILDING #1 UNIT 103 |
| Legal Unit | 103 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 950300 |
651 Overlook Dr, a condominium, is owned by an individual.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 42 GREENWAY CT, SPRUCE PINE, NC 28777-5631 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 651 OVERLOOK DR, SPRUCE PINE, NC 28777-8904 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 579/441 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 579/441 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2026 property tax bill for 651 Overlook Dr was $414.
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 | $414.00 | $74,100 (-) Building $74,100 | |
| 2025 | $414.00 | $74,100 Building $74,100 | |
| 2023 | $414.00 | $74,100 Building $74,100 | $74,100 Building $74,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 651 Overlook Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 Claims | 2 (1983–1996) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1996 · rainfall accumulation |
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.
Wildfire risk around 651 Overlook Dr is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
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