Mitchell County property record for 658 Upper Hanging Rock Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,889 sqft · built 1954 |
| Lot Size | 3.27 acres (142,441 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,000 (Jul 2026) |
| Tax Bill | $437 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-02-87-1292 |
| Primary APN | 0890-02-87-1292 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,889 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 142,441 sqft (3.27 acres) |
| Heating System | Gravity Furnace |
|---|
| Account Number | 555786416 |
|---|---|
| Street Address | 658 UPPER HANGING ROCK RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HANGING ROCK RD 1140 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950300 |
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 | 658 UPPER HANGING ROCK RD, SPRUCE PINE, NC 28777-5317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage PONCE BK |
| Aug 2, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2026 · Amount on Record |
| Deed Sale | Jul 28, 2026 · Amount on Record |
| Prior Sale | Aug 2, 2022 · Amount on Record |
| Deed Document Number | 20261302 |
| Deed Book / Page | 692 / 259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jul 28, 2026 |
| Property Address | 658 UPPER HANGING ROCK RD, SPRUCE PINE, NC 28777-5317 |
| Document Number | 0000001302 |
| Book / Page | 692 / 259 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 20261302 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48,480.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 658 UPPER HANGING ROCK RD, SPRUCE PINE, NC 28777-5317 |
| Document Number | 0000001303, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 692/262 |
| Instrument | 20261303 |
| Name | PONCE BK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 1, 2031 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 2, 2022 |
| Property Address | 658 UPPER HANGING ROCK RD, SPRUCE PINE, NC 28777-5317 |
| Document Number | 000647/360 |
| Book / Page | 647 / 360 |
| Instrument Date | Aug 2, 2022 |
| Instrument | 2022002255 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $265.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 658 UPPER HANGING ROCK RD, 658, SPRUCE PINE, NC 28777-5317 |
| Name | Verified Name |
|---|---|
| Address | 658 UPPER HANGING ROCK RD, SPRUCE PINE, NC 28777-5317 |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $437.00 | $68,300 (-) Land $35,700 Building $32,600 | |
| 2025 | $437.00 (+1.63%) | $68,300 (-) Land $35,700 Building $32,600 | |
| 2023 | $430.00 | $68,300 Land $35,700 Building $32,600 | $68,300 Land $35,700 Building $32,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 | Moderate above 45% of the US · above 66% 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: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Zito Media.
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