Mitchell County property record for 74 Mountain Laurel Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1977 |
| Lot Size | 0.489 acres (21,344 sqft) |
| Owner | Individual Name on File |
| Last Sale | $149,000 (Aug 2019) |
| Tax Bill | $1,258 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-03-34-4035 |
| Primary APN | 0799-03-34-4035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Construction Type | Wood |
| Foundation Type | Raised |
| Lot Area | 21,344 sqft (0.489 acres) |
| Heating System | Baseboard |
|---|
| Account Number | 555782237 |
|---|---|
| Street Address | 74 MOUNTAIN LAUREL DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1117 RED OAK HILLS LOT 2 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 950400 |
Source: Mitchell County records · APN 0799-03-34-4035
Assessment roll updated January 1, 2025 · Last verified October 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 74 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2020 | Deed of Trust, Mortgage · VA Mortgage ALCOVA MORTGAGE LLC |
| Aug 29, 2019 | Warranty Deed, Transfer · VA Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2019 · Amount on Record |
| Deed Sale | Aug 29, 2019 · Amount on Record |
| Deed Document Number | 2019001557 |
| Deed Book / Page | 605 / 255 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 74 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 620/373 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 620/373 |
| Instrument | 2020002103 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 29, 2019 |
| Property Address | 74 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Document Number | 605/255 |
| Book / Page | 605 / 255 |
| Map Reference | MB 1 PG 146 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 2019001557 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $298.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 74 MOUNTAIN LAUREL DR, SPRUCE PINE, NC 28777-8506 |
| Document Number | 2019001558 |
|---|---|
| Date | Aug 29, 2019 |
| Instrument | 2019001558 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,258.00 (+1.53%) | $196,700 (-) Land $25,000 Building $171,700 |
| 2023 | $1,239.00 | $196,700 Land $25,000 Building $171,700 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito West Holding Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 70 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF SPRUCE PINE serves 5,661 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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