Mitchell County property record for 882 Carters Ridge Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,794 sqft · built 1981 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Nov 2020) |
| Tax Bill | $1,320 (2026) |
| Deeds & Mortgages | Nov 2020 Sale Jan 2020 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0799-00-54-3129 |
| Primary APN | 0799-00-54-3129 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,794 sqft Living Area |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Wood |
| Lot Area | 27,878 sqft (0.64 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555550495 |
|---|---|
| Street Address | 882 CARTERS RIDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9796 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1117 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 950400 |
882 Carters Ridge Rd is owned by an individual who bought it in November 2020.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 845 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9796 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 5, 2020 | Warranty Deed, Transfer |
| Jan 17, 2020 | Intrafamily Transfer, Transfer · Reverse Mortgage ONE REVERSE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2020 · Amount on File |
| Deed Sale | Nov 5, 2020 · Amount on File |
| Deed Document Number | 20202069 |
| Deed Book / Page | 620 / 171 |
| Prior Transfer Date | Jan 10, 2020 |
| Prior Transfer Doc | 610/060 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Nov 5, 2020 |
| Property Address | 882 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9796 |
| Document Number | 620/171 |
| Book / Page | 620 / 171 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 2020002069 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 845 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9796 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jan 17, 2020 |
| Property Address | 882 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9796 |
| Document Number | 610/060 |
| Book / Page | 610 / 060 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 2020000089 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 882 CARTERS RIDGE RD, SPRUCE PINE, NC 28777-9796 |
| Document Number | 2020000090 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 2020000090 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.71% |
| Type Change Date | Feb 1, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
The 2026 property tax bill for 882 Carters Ridge Rd was $1,320.
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 | $1,320.00 | $206,400 (-) Land $18,000 Building $188,400 | |
| 2025 | $1,320.00 | $206,400 Land $18,000 Building $188,400 | |
| 2023 | $1,300.00 | $206,400 Land $18,000 Building $188,400 | $206,400 Land $18,000 Building $188,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 882 Carters Ridge Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 882 Carters Ridge Rd is moderate, ranking above 48% 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 48% of the US · above 70% 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 42 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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