Mitchell County property record for 72 Ridgetop Ln, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,764 sqft · built 1975 |
| Lot Size | 5.79 acres (252,212 sqft) |
| Owner | Individual Name on File |
| Last Sale | $494,000 (Jul 2026) |
| Tax Bill | $1,478 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1800-00-84-9745 |
| Primary APN | 1800-00-84-9745 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,764 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Lot Area | 252,212 sqft (5.79 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 002064236 |
|---|---|
| Street Address | 72 RIDGETOP LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9278 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1102 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950300 |
Source: Mitchell County assessment roll, as of October 17, 2025
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 | 72 RIDGETOP LN, SPRUCE PINE, NC 28777-9278 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Deed Document Number | 20261337 |
| Deed Book / Page | 692 / 453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jul 31, 2026 |
| Property Address | 72 RIDGETOP LN, SPRUCE PINE, NC 28777-9278 |
| Document Number | 0000001337 |
| Book / Page | 692 / 453 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 20261337 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99,788.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 72 RIDGETOP LN, SPRUCE PINE, NC 28777-9278 |
| Document Number | 0000001338, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 20261338 |
| Name | MORTGAGE DIRECT LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Mitchell County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,478.00 (+1.58%) | $231,000 (-) Land $62,700 Building $168,300 | |
| 2023 | $1,455.00 | $231,000 Land $62,700 Building $168,300 | $231,000 Land $62,700 Building $168,300 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito West Holding Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures