Mitchell County property record for 678 Pond Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,075 sqft · built 1978 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,000 (Aug 2013) |
| Tax Bill | $1,270 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0788-00-59-9695 |
| Primary APN | 0788-00-59-9695 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,075 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Wood |
| Lot Area | 40,946 sqft (0.94 acres) |
| Heating System | Central |
|---|
| Account Number | 555610784 |
|---|---|
| Street Address | 678 POND RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF 1117 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 950400 |
Source: Mitchell County records, as of September 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 678 POND RD, SPRUCE PINE, NC 28777-8734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 20, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Feb 1, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2013 · Amount on Record |
| Deed Sale | Aug 15, 2013 · Amount on Record |
| Prior Sale | Dec 10, 2012 · Amount on Record |
| Deed Book / Page | 539 / 359 |
| Prior Transfer Date | Oct 26, 2012 |
| Prior Transfer Doc | 000529/758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 678 POND RD, SPRUCE PINE, NC 28777-8734 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000687/303 |
|---|---|
| Date | Feb 20, 2026 |
| Book Page | 687/303 |
| Instrument | 2026000269 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURNSVILLE, NC 28714 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 26, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 678 POND RD, SPRUCE PINE, NC 28777-8734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 678 POND RD, SPRUCE PINE, NC 28777-8734 |
| Document Number | 000665/666 |
|---|---|
| Date | Feb 1, 2024 |
| Book Page | 665/666 |
| Instrument | 2024000201 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPRUCE PINE, NC 28777 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 17, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,270.00 (+11.21%) | $198,500 (+11.2%) Land $26,600 Building $171,900 | |
| 2025 | $1,142.00 (+1.6%) | $178,500 (-) Land $26,600 Building $151,900 | |
| 2023 | $1,124.00 | $178,500 Land $26,600 Building $151,900 | $178,500 Land $26,600 Building $151,900 |
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 | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
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