Mitchell County property record for 862 Humpback Mountain Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 995 sqft · built 1954 |
| Lot Size | 5.87 acres (255,697 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Nov 2019) |
| Tax Bill | $1,164 (2026) |
| Deeds & Mortgages | Nov 2019 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 1709-00-94-1578 |
| Primary APN | 1709-00-94-1578 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 995 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 255,697 sqft (5.87 acres) |
| Heating System | Central |
|---|
| Account Number | 555782493 |
|---|---|
| Street Address | 862 HUMPBACK MOUNTAIN RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-5581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1128 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 950400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 862 HUMPBACK MOUNTAIN RD, SPRUCE PINE, NC 28777-5581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2019 · Amount on Record |
| Deed Sale | Nov 12, 2019 · Amount on Record |
| Deed Document Number | 20192033 |
| Deed Book / Page | 607 / 727 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Nov 12, 2019 |
| Property Address | 862 HUMPBACK MOUNTAIN RD, SPRUCE PINE, NC 28777-5581 |
| Document Number | 000607/727 |
| Book / Page | 607 / 727 |
| Instrument Date | Nov 8, 2019 |
| Instrument | 2019002033 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 ADDIE LANE, ROSMAN, NC 28772 |
| Document Number | 2019002034 |
|---|---|
| Date | Nov 12, 2019 |
| Instrument | 2019002034 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 367 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,164.00 | $181,900 (-) Land $61,000 Building $120,900 | |
| 2025 | $1,164.00 (+1.66%) | $181,900 (-) Land $61,000 Building $120,900 | |
| 2023 | $1,145.00 | $181,900 Land $61,000 Building $120,900 | $181,900 Land $61,000 Building $120,900 |
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 | 2 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 | Moderate above 52% of the US · above 74% 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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