Mitchell County property record for 79 Fortner Dr, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,264 sqft · built 1948 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (May 2023) |
| Tax Bill | $1,054 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0880-16-93-6181 |
| Primary APN | 0880-16-93-6181 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,264 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Wood |
| Lot Area | 16,553 sqft (0.38 acres) |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 555785029 |
|---|---|
| Street Address | 79 FORTNER DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 6 BLK 1 LOT 15 |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
Source: Mitchell County records · APN 0880-16-93-6181
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 | Individual Name on File |
|---|---|
| Mailing Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · Line of Credit BAY BANK TRUST COMPANY |
| May 26, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Apr 21, 2022 | Warranty Deed, Transfer |
| Dec 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on Record |
| Deed Sale | May 26, 2023 · Amount on Record |
| Prior Sale | Apr 21, 2022 · Amount on Record |
| Deed Document Number | 20231109 |
| Deed Book / Page | 658 / 25 |
| Last Transfer Date | Dec 10, 2024 |
| Transfer Doc | 000674/449 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jul 16, 2026 |
| Property Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Number | 0000001245 |
| Book / Page | 692 / 7 |
| Instrument Date | Jul 07, 2026 |
| Instrument | 20261245 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Number | 0000001245, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 692/7 |
| Instrument | 20261245 |
| Name | BAY BANK TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 26, 2023 |
| Property Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Number | 0000658/25 |
| Book / Page | 658 / 25 |
| Instrument Date | May 09, 2023 |
| Instrument | 2023001109 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Number | 2023001110 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 2023001110 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.1% |
| Type Change Date | Jun 01, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Apr 21, 2022 |
| Property Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Number | 0000643/42 |
| Book / Page | 643 / 42 |
| Instrument Date | Apr 18, 2022 |
| Instrument | 2022001155 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 79 FORTNER DRIVE, 79, CHARLOTTE, NC 28277 |
| Name | Verified Name |
|---|---|
| Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Dec 22, 2020 |
| Property Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Number | 622/162 |
| Book / Page | 622 / 162 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 2020002425 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 332 RAILROAD AVE, 332, LEXINGTON, SC 29072-4002 |
| Name | Verified Name |
|---|---|
| Address | 79 FORTNER DR, SPRUCE PINE, NC 28777-2636 |
| Document Number | 2020002426 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 2020002426 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| 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 | $1,054.00 | $188,300 (-) Land $16,100 Building $172,200 | |
| 2023 | $1,054.00 | $188,300 Land $16,100 Building $172,200 | $143,800 Land $12,900 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371219503001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024, river or lake flooding, Tropical Storm Helene |
| Wildfire Risk | Moderate above 44% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,370 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 56 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Zito West Holding | Fiber | 1,000 / 1,000 |
May also be available at this address: Verizon, Zito West Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.
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