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

Mitchell County property record for 708 Emerald Mine Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,668 sqft · built 1991
Lot Size	8.88 acres (386,813 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Nov 2022)
Tax Bill	$2,572 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`0778-00-88-7279`

Property Details

APN / Parcel Number

Primary APN	`0778-00-88-7279`
Alternative APNs	`555782725` `555784595`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,668 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Lot Area	386,813 sqft (8.88 acres)

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	555784595
Street Address	708 EMERALD MINE RD
City	SPRUCE PINE
State	NC
Zip	28777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF 1105 LOT 12
Legal Lot Number	12
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2021
Census Tract	950400

Owner

Source: Mitchell County records · APN 0778-00-88-7279

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	PO BOX 434, LITTLE SWITZERLAND, NC 28749-0434
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 16, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Apr 16, 2020 · Amount on Record
Deed Document Number	20223242
Deed Book / Page	651 / 869
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Nov 22, 2022
Property Address	708 EMERALD MINE RD, SPRUCE PINE, NC 28777
Document Number	000651/869
Book / Page	651 / 869
Instrument Date	Nov 22, 2022
Instrument	2022003242
Transaction Type	Transfer
Record Updated	Dec 06, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11631 LOIS CROSS DR, 11631, JACKSONVILLE, FL 32258-4538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 434, LITTLE SWITZERLAND, NC 28749-0434

Mortgage

Document Number	2022003243
Date	Nov 22, 2022
Instrument	2022003243

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Dec 01, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	Other
Margin	3
Max Rate	11.1%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 16, 2020
Property Address	708 EMERALD MINE RD, SPRUCE PINE, NC 28777
Document Number	612/550
Book / Page	612 / 550
Instrument Date	Apr 10, 2020
Instrument	2020000595
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11631 LOIS CROSS DR, JACKSONVILLE, FL 32258-4538

Tax Assessment & Valuation

Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,572.00 (+1.58%)	$402,000 (-) Land $117,000 Building $285,000
2023	$2,532.00	$402,000 Land $117,000 Building $285,000	$402,000 Land $117,000 Building $285,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 2, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Skyrunner, Zito West Holding.

Based on FCC filings for 8 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

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