657 Emerald Mine Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 657 Emerald Mine Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,673 sqft · built 2004
Lot Size	6.37 acres (277,477 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,249 (2026)
Deeds & Mortgages	Jul 2017 Transfer May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0778-00-88-0023`

Property Details

APN / Parcel Number

Primary APN	`0778-00-88-0023`
Alternative APN	`555780707`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,673 sqft Living Area
Basement Area	1,716 sqft
Unfinished Basement	1,716 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Type	Gable
Lot Area	277,477 sqft (6.37 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	555780707
Street Address	657 EMERALD MINE RD
City	SPRUCE PINE
State	NC
Zip	28777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1156 EMERALD MINE ACCESS
Legal Subdivision	C C WOODY ESTATE
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2052
Census Tract	950400

Owner

657 Emerald Mine Rd is held in a trust since June 2017.

Source: Mitchell County records, as of September 8, 2026

Owner of Record	2 Trust Names on File
Mailing Address	LITTLE SWITZERLAND, NC 28749
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2017	Quit Claim Deed, Transfer Quitclaim
May 31, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 14, 2017
Transfer Doc	0581/607
Record Updated	Oct 29, 2026

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MITCHELL NC
Recording Date	Jul 13, 2017
Property Address	657 EMERALD MINE RD, SPRUCE PINE, NC 28777
Document Number	0581/607
Book / Page	0581 / 607
Instrument Date	Jun 14, 2017
Instrument	2017001275
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4830 BENT RIDGE LN, 4830, CLEMMONS, NC 27012-9416

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	4830 BENT RIDGE LN, CLEMMONS, NC 27012-9416

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	May 31, 2017
Property Address	657 EMERALD MINE RD, SPRUCE PINE, NC 28777
Document Number	580/454
Book / Page	580 / 454
Map Reference	MB 243 PG 271
Instrument Date	May 24, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12130 POTTER TRACT RD, 12130, GRAND BAY, AL 36541-6822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4830 BENT RIDGE LN, CLEMMONS, NC 27012-9416

Mortgage

Document Number	580/457
Date	May 31, 2017
Book Page	580/457

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 657 Emerald Mine Rd was $3,249.

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,249.00	$507,700 (-) Land $80,600 Building $427,100
2025	$3,249.00	$507,700 Land $80,600 Building $427,100
2023	$3,198.00	$507,700 Land $80,600 Building $427,100	$507,700 Land $80,600 Building $427,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 657 Emerald Mine Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 657 Emerald Mine Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Skyrunner, Zito Media.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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