Mitchell County property record for 79 Creekside Ln, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,680 sqft · built 1983 |
| Lot Size | 3.31 acres (144,184 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $409,000 (Apr 2026) |
| Tax Bill | $1,680 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2023 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-06-49-8007 |
| Primary APN | 0890-06-49-8007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 144,184 sqft (3.31 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 001045087 |
|---|---|
| Street Address | 79 CREEKSIDE LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF 1143 |
| Legal Subdivision | PORTION/A 10 ACRE |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950300 |
Source: Mitchell County records · APN 0890-06-49-8007
Assessment roll updated October 17, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Mar 13, 2023 | Deed of Trust, Mortgage · Line of Credit BAXTER CU |
| Nov 20, 2009 | Deed of Trust, Mortgage · Line of Credit BAXTER CU |
| Oct 13, 2011 | Deed of Trust, Mortgage · Line of Credit BAXTER CU |
| Jul 06, 2009 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Jan 14, 2015 | Deed of Trust, Mortgage BAXTER CU |
| Apr 07, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2026 · Amount on Record |
| Deed Sale | Apr 07, 2026 · Amount on Record |
| Deed Document Number | 2026627 |
| Deed Book / Page | 688 / 814 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 000622/261 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 622/261 |
| Instrument | 2020002438 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000655/122 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | 655/122 |
| Instrument | 2023000419 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 30, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000497/498 |
|---|---|
| Date | Nov 20, 2009 |
| Book Page | 497/498 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 19, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000517/120 |
|---|---|
| Date | Oct 13, 2011 |
| Book Page | 517/120 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 12, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000491/810 |
|---|---|
| Date | Jul 06, 2009 |
| Book Page | 491/810 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000554/784 |
|---|---|
| Date | Jan 14, 2015 |
| Book Page | 554/784 |
| Instrument | 2015000057 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Jan 31, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Apr 07, 2026 |
| Property Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Document Number | 0000000627 |
| Book / Page | 688 / 814 |
| Instrument Date | Apr 03, 2026 |
| Instrument | 2026627 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82,618.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 79 CREEKSIDE LN, SPRUCE PINE, NC 28777-5112 |
| Document Number | 0000000628, |
|---|---|
| Date | Apr 07, 2026 |
| Instrument | 2026628 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.2% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
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 | $1,680.00 (+3.32%) | $257,100 (-) Land $33,700 Building $223,400 | |
| 2023 | $1,626.00 | $257,100 Land $33,700 Building $223,400 | $257,100 Land $33,700 Building $223,400 |
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 |
|---|---|
| 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 |
| Wildfire Risk | Moderate above 56% of the US · above 78% 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Zito West Holding.
Based on FCC filings for 24 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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