Mitchell County property record for 80 Louis Dr, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1977 |
| Lot Size | 1.47 acres (64,033 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $615 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0789-08-89-2482 |
| Primary APN | 0789-08-89-2482 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 64,033 sqft (1.47 acres) |
| Heating System | Central |
|---|
| Account Number | 001087675 |
|---|---|
| Street Address | 80 LOUIS DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-3201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 58 BL 1 LOT 10C |
| Legal Lot Number | 10C |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950400 |
Source: Mitchell County records, as of September 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 80 LOUIS DR, SPRUCE PINE, NC 28777-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC |
| Jun 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 80 LOUIS DR, SPRUCE PINE, NC 28777-3201 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 80 LOUIS DR, SPRUCE PINE, NC 28777-3201 |
| Document Number | 000687/376 |
|---|---|
| Date | Feb 24, 2026 |
| Book Page | 687/376 |
| Instrument | 2026000286 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 482 Months |
| Due | Apr 1, 2066 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 80 LOUIS DR, SPRUCE PINE, NC 28777-3201 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2022 |
| Title Company | MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|
| Document Number | 000651/443 |
|---|---|
| Date | Nov 15, 2022 |
| Book Page | 651/443 |
| Instrument | 2022003147 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 80 LOUIS DR, SPRUCE PINE, NC 28777-3201 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 80 LOUIS DR, SPRUCE PINE, NC 28777-3201 |
| Document Number | 629/396 |
|---|---|
| Date | Jun 24, 2021 |
| Book Page | 629/396 |
| Instrument | 2021001359 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 266 Months |
| Due | Aug 1, 2043 |
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 | $615.00 | $109,900 (-) Land $34,600 Building $75,300 | |
| 2025 | $615.00 | $109,900 (-) Land $34,600 Building $75,300 | |
| 2023 | $615.00 | $109,900 Land $34,600 Building $75,300 | $109,900 Land $34,600 Building $75,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 3 in force |
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 | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 72 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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