89 Otter Ln, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 89 Otter Ln, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$569,000 (Jan 2022)
Tax Bill	$3,011 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0777-00-25-1302`

Property Details

APN / Parcel Number

Primary APN	`0777-00-25-1302`
Alternative APNs	`555781022` `555784146`

Exterior

Lot Area	130,680 sqft (3 acres)

Location & Zoning

Account Number	555784146
Street Address	89 OTTER LN
City	SPRUCE PINE
State	NC
Zip	28777-6375
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2071
Census Tract	950400

Owner

89 Otter Ln is owned and occupied by two individuals who bought it in January 2022.

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	89 OTTER LN, SPRUCE PINE, NC 28777-6375
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Dec 3, 2019	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Oct 3, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2022 · Amount on File
Deed Sale	Jan 12, 2022 · Amount on File
Prior Sale	Jul 13, 2016 · Amount on File
Deed Document Number	202274
Deed Book / Page	638 / 664
Prior Transfer Date	Oct 3, 2017
Prior Transfer Doc	584/436
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jan 12, 2022
Property Address	89 OTTER LN, SPRUCE PINE, NC 28777-6375
Document Number	000638/664
Book / Page	638 / 664
Instrument Date	Jan 6, 2022
Instrument	2022000074
Transaction Type	Transfer
Record Updated	Jan 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,138.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 SYRUP LN, 41, BURNSVILLE, NC 28714-5248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 OTTER LN, SPRUCE PINE, NC 28777-6375

Mortgage

Document Number	2022000075
Date	Jan 12, 2022
Instrument	2022000075

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	89 OTTER LN, SPRUCE PINE, NC 28777-6375
Transaction Type	Mortgage
Record Updated	May 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	612/849
Date	Apr 28, 2020
Book Page	612/849
Instrument	2020000659

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	89 OTTER LN, SPRUCE PINE, NC 28777-6375
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	608/448
Date	Dec 3, 2019
Book Page	608/448
Instrument	2019002170

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	SPRUCE PINE, NC 28777

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Oct 29, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Oct 3, 2017
Property Address	89 OTTER LN, SPRUCE PINE, NC 28777-6375
Document Number	584/436
Book / Page	584 / 436
Map Reference	MB 570 PG 326
Instrument Date	Oct 3, 2017
Instrument	2017001813
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 HAMBURG RD, BAKERSVILLE, NC 28705-9516

Tax Assessment & Valuation

The 2026 property tax bill for 89 Otter Ln was $3,011.

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	$3,011.00	$470,600 (-) Land $38,000 Building $432,600
2025	$3,011.00	$470,600 Land $38,000 Building $432,600
2023	$2,964.00	$470,600 Land $38,000 Building $432,600	$470,600 Land $38,000 Building $432,600

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

Flood

FEMA maps place 89 Otter Ln 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	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.

Wildfire

Wildfire risk around 89 Otter Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable · Fiber in parts of the area	400 / 24
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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