Mitchell County property record for 675 Harris St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,232 sqft · built 1955 |
| Lot Size | 2.75 acres (119,790 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,301 (2026) |
| Deeds & Mortgages | Dec 2020 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0789-00-39-5382 |
| Primary APN | 0789-00-39-5382 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,232 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 119,790 sqft (2.75 acres) |
| Heating System | Space Heater |
|---|
| Account Number | 002022911 |
|---|---|
| Street Address | 675 HARRIS ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASSESSOR VALUED AT 10K; DW ON PROP IN SECTIONS |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 950400 |
675 Harris St is owned and occupied by an individual.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 675 HARRIS ST, SPRUCE PINE, NC 28777-3149 |
| Occupancy | Owner Occupied |
| 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 | 675 HARRIS ST, SPRUCE PINE, NC 28777-3149 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 675 HARRIS ST, SPRUCE PINE, NC 28777-3149 |
| Document Number | 621/583 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 621/583 |
| Instrument | 2020002345 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 960 Months |
| Due | Dec 23, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.71% |
| Type Change Date | Jan 1, 2022 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
The 2026 property tax bill for 675 Harris St was $1,301.
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 | $1,301.00 | $248,300 (-) Land $42,500 Building $205,800 | |
| 2025 | $1,301.00 | $248,300 Land $42,500 Building $205,800 | |
| 2023 | $1,280.00 | $248,300 Land $42,500 Building $205,800 | $248,300 Land $42,500 Building $205,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 675 Harris St 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 risk around 675 Harris St is moderate, ranking above 45% 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 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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