81 Hilltop Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 81 Hilltop Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1948
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$126,000 (Aug 2020)
Tax Bill	$701 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0890-17-01-3378`

Property Details

APN / Parcel Number

Primary APN	`0890-17-01-3378`
Alternative APN	`555782956`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555782956
Street Address	81 HILLTOP LN
City	SPRUCE PINE
State	NC
Zip	28777-2997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 51 BL 5 LOT 6
Legal Subdivision	T A ENGLISH PROPERTY
Legal Lot Number	6
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1031
Census Tract	950400

Owner

Source: Mitchell County records, as of September 8, 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 Record
Mailing Address	81 HILLTOP LN, SPRUCE PINE, NC 28777-2997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Aug 11, 2020	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on Record
Deed Sale	Aug 11, 2020 · Amount on Record
Prior Sale	Sep 19, 2008 · Amount on Record
Deed Document Number	20201343
Deed Book / Page	616 / 224
Prior Transfer Date	Oct 23, 2006
Prior Transfer Doc	447/075
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	81 HILLTOP LN, SPRUCE PINE, NC 28777-2997
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000624/845
Date	Mar 4, 2021
Book Page	624/845
Instrument	2021000471

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Sep 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 11, 2020
Property Address	81 HILLTOP LN, SPRUCE PINE, NC 28777-2997
Document Number	616/224
Book / Page	616 / 224
Map Reference	MB 1 PG 40
Instrument Date	Aug 11, 2020
Instrument	2020001343
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 SKY LOCH DR W, 149, DUNEDIN, FL 34698-8144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 HILLTOP LN, SPRUCE PINE, NC 28777-2997

Mortgage

Document Number	2020001344
Date	Aug 11, 2020
Instrument	2020001344

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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	$701.00	$125,200 (-) Land $22,000 Building $103,200
2025	$701.00	$125,200 (-) Land $22,000 Building $103,200
2023	$701.00	$125,200 Land $22,000 Building $103,200	$125,200 Land $22,000 Building $103,200

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

Flood

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	1 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Frances, Sep 2004 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 189 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 · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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