Mitchell County property record for 75 Elm St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,121 sqft · built 1920 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Company Name on Record |
| Last Sale | $95,000 (Jun 2026) |
| Tax Bill | $256 (2026) |
| Deeds & Mortgages | Jun 2026 Sale Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-14-33-6356 |
| Primary APN | 0890-14-33-6356 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,121 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Lot Area | 10,454 sqft (0.24 acres) |
| Heating System | Gravity Furnace |
|---|
| Account Number | 555786366 |
|---|---|
| Street Address | 75 ELM ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROPERTY OF D A GREENE |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
Source: Mitchell County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 370 N LOUISIANA AVE, D2, ASHEVILLE, NC 28806-3641 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 16, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on Record |
| Deed Sale | Jun 16, 2026 · Amount on Record |
| Deed Document Number | 20261032 |
| Deed Book / Page | 690 / 856 |
| Prior Transfer Date | Jul 12, 2016 |
| Prior Transfer Doc | 570/251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jun 16, 2026 |
| Property Address | 75 ELM ST, SPRUCE PINE, NC 28777-5130 |
| Document Number | 0000001032 |
| Book / Page | 690 / 856 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20261032 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $19,190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jun 22, 2026 |
| Property Address | 75 ELM ST, SPRUCE PINE, NC 28777-5130 |
| Document Number | 0000001062 |
| Book / Page | 691 / 43 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20261062 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000001062, |
|---|---|
| Date | Jun 22, 2026 |
| Book Page | 691/43 |
| Instrument | 20261062 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $256.00 | $45,800 (-) Land $10,800 Building $35,000 | |
| 2025 | $256.00 | $45,800 (-) Land $10,800 Building $35,000 | |
| 2023 | $256.00 | $45,800 Land $10,800 Building $35,000 | $45,800 Land $10,800 Building $35,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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