86 Jack Sullins Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 86 Jack Sullins Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Feb 2021)
Tax Bill	$1,388 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0890-09-07-1217`

Property Details

APN / Parcel Number

Primary APN	`0890-09-07-1217`
Alternative APN	`555783497`

Exterior

Lot Area	75,359 sqft (1.73 acres)

Location & Zoning

Account Number	555783497
Street Address	86 JACK SULLINS RD
City	SPRUCE PINE
State	NC
Zip	28777-8450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1145
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	1
Census Block	1000
Census Tract	950300

Owner

86 Jack Sullins Rd is owned and occupied by two individuals who bought it in February 2021.

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	2 Individual Names on File
Mailing Address	86 JACK SULLINS RD, SPRUCE PINE, NC 28777-8450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 23, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2021 · Amount on File
Deed Sale	Feb 23, 2021 · Amount on File
Prior Sale	Jul 16, 2013 · Amount on File
Deed Document Number	2021384
Deed Book / Page	624 / 372
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	86 JACK SULLINS RD, SPRUCE PINE, NC 28777-8450
Transaction Type	Mortgage
Record Updated	Sep 27, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000648/759
Date	Sep 9, 2022
Book Page	648/759
Instrument	2022002591

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	86 JACK SULLINS RD, SPRUCE PINE, NC 28777-8450
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000645/294
Date	Jun 14, 2022
Book Page	645/294
Instrument	2022001887

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

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Feb 23, 2021
Property Address	86 JACK SULLINS RD, SPRUCE PINE, NC 28777-8450
Document Number	624/372
Book / Page	624 / 372
Instrument Date	Feb 23, 2021
Instrument	2021000384
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 PORTNER DR, 80, SPRUCE PINE, NC 28777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 JACK SULLINS RD, SPRUCE PINE, NC 28777-8450

Mortgage

Document Number	2021000385
Date	Feb 23, 2021
Instrument	2021000385

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Mar 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	7.87%

Tax Assessment & Valuation

The 2026 property tax bill for 86 Jack Sullins Rd was $1,388.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,388.00	$217,000 (-) Land $20,800 Building $196,200
2025	$1,388.00	$217,000 Land $20,800 Building $196,200
2023	$1,367.00	$217,000 Land $20,800 Building $196,200	$217,000 Land $20,800 Building $196,200

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

Flood

FEMA maps place 86 Jack Sullins Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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	3 (2003–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 86 Jack Sullins Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Zito Media Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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