76 Overlook Pointe Dr, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 76 Overlook Pointe Dr, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 2000
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Company Names on File
Last Sale	$349,000 (Dec 2025)
Tax Bill	$1,601 (2026)
Deeds & Mortgages	Aug 2020 Line of Credit Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0890-18-40-5361`

Property Details

APN / Parcel Number

Primary APN	`0890-18-40-5361`
Alternative APNs	`5000205000` `555783785` `555784938` `555786156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	555786156
Street Address	76 OVERLOOK POINTE DR
City	SPRUCE PINE
State	NC
Zip	28777-3077
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SPRUCE PINE HEIGHTS
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3012
Census Tract	950300

Owner

76 Overlook Pointe Dr is owned by a company that bought it in December 2025.

Source: Mitchell County records, as of September 8, 2026

Owner of Record	2 Company Names on File
Mailing Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 5, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 26, 2023	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on File
Deed Sale	Dec 5, 2025 · Amount on File
Prior Sale	May 26, 2023 · Amount on File
Deed Document Number	20252078
Deed Book / Page	685 / 20
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000616/889
Date	Aug 27, 2020
Book Page	616/889
Instrument	2020001477

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Dec 5, 2025
Property Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077
Document Number	0000685/20
Book / Page	685 / 20
Instrument Date	Nov 25, 2025
Instrument	2025002078
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$698.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 WEAVER VIEW CIRCLE UNIT 302, 302, WEAVERVILLE, NC 28787-0420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077

Mortgage

Document Number	2025002079
Date	Dec 5, 2025
Instrument	2025002079

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	May 26, 2023
Property Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077
Document Number	00000658/8
Book / Page	658 / 8
Instrument Date	May 22, 2023
Instrument	2023001105
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	273 WALNUT GROVE LN, WILKESBORO, NC 28697-7239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077

Mortgage

Document Number	2023001106
Date	May 26, 2023
Instrument	2023001106

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 31, 2021
Property Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077
Document Number	632/331
Book / Page	632 / 331
Instrument Date	Aug 30, 2021
Instrument	2021001918
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	76 OVERLOOK POINTE DR, 76, SPRUCE PINE, NC 28777-3077

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 OVERLOOK POINTE DR, SPRUCE PINE, NC 28777-3077

Mortgage

Document Number	2021001919
Date	Aug 31, 2021
Instrument	2021001919

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

The 2026 property tax bill for 76 Overlook Pointe Dr was $1,601.

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,601.00	$285,900 (-) Land $30,000 Building $255,900
2025	$1,601.00	$285,900 Land $30,000 Building $255,900
2023	$1,601.00	$285,900 Land $30,000 Building $255,900	$285,900 Land $30,000 Building $255,900

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

Flood

FEMA maps place 76 Overlook Pointe Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

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 Claims	2 (1983–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1996 · rainfall accumulation

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.

Wildfire

Wildfire risk around 76 Overlook Pointe Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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