89 Overlook Dr, Spruce Pine, NC 28777 Property Records

McDowell County property record for 89 Overlook Dr, Spruce Pine, NC 28777 · Last verified August 2026

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,278 sqft · built 2007
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,516 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Apr 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1729-00-05-1264`

Property Details

APN / Parcel Number

Primary APN	`1729-00-05-1264`
Alternative APNs	`69139` `82968`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,278 sqft Heated Area
Gross Area	2,494 sqft
1st Floor Area	904 sqft
Basement Area	904 sqft
Unfinished Basement	904 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	82968
Street Address	89 OVERLOOK DR
City	SPRUCE PINE
State	NC
Zip	28777
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0.32 AC LT 31 BEAR DEN ACRES PB 4 PG 392
Legal Subdivision	BEAR DEN ACRES DEVELOPMENT INC.
Legal Lot Number	31
Jurisdiction	MCDOWELL NC
Township / Civil Division	NORTH COVE
Census Block Group	1
Census Block	1061
Census Tract	970102

Owner

Source: McDowell County records · APN 1729-00-05-1264

Assessment roll updated September 30, 2025 · Last verified August 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 File
Mailing Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2024	Quit Claim Deed, Transfer · VA Mortgage FIRST FEDERAL BANK
Apr 29, 2024	Warranty Deed, Transfer
Oct 20, 2023	Intrafamily Transfer, Transfer
Jun 08, 2023	Warranty Deed, Transfer · VA Mortgage BNC NATIONAL BANK
Nov 13, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2024
Deed Sale	Oct 29, 2024
Prior Sale	Jun 08, 2023 · Amount on Record
Deed Document Number	20244957
Deed Book / Page	1483 / 557
Prior Transfer Date	Oct 25, 2024
Prior Transfer Doc	0014830557
Record Updated	Sep 20, 2026

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 29, 2024
Property Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777
Document Number	0014830557
Book / Page	1483 / 557
Map Reference	MB 4 PG 97
Instrument Date	Oct 25, 2024
Instrument	2024004957
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777

Mortgage

Document Number	2024004958
Date	Oct 29, 2024
Instrument	2024004958

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2054

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 29, 2024
Property Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777
Document Number	0014670076
Book / Page	1467 / 76
Map Reference	MB 4 PG 97
Instrument Date	Apr 25, 2024
Instrument	2024001977
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	899 OAK AVE UNIT 74, 74, SPRUCE PINE, NC 28777-0079

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Oct 20, 2023
Property Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777
Document Number	0014500382
Book / Page	1450 / 382
Map Reference	MB 4 PG 97
Instrument Date	Oct 20, 2023
Instrument	2023004959
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	899 OAK AVE UNIT 74, 74, SPRUCE PINE, NC 28777-0079

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jun 08, 2023
Property Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777
Document Number	0014370651
Book / Page	1437 / 651
Map Reference	MB 4 PG 97
Instrument Date	Jun 01, 2023
Instrument	2023002646
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$809.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 HEDDON DR, LEXINGTON, SC 29072-2457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 OVERLOOK DR, SPRUCE PINE, NC 28777

Mortgage

Document Number	2023002647
Date	Jun 08, 2023
Instrument	2023002647

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 13, 2018
Property Address	BLUE RIDGE PKWY, SPRUCE PINE, NC 28777
Document Number	0012600361
Book / Page	001260 / 000361
Instrument Date	Oct 08, 2018
Instrument	5282
Transaction Type	Transfer
Record Updated	Nov 28, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8771 COLUMBIA SC 292028771, COLUMBIA, SC 29202-8771

Tax Assessment & Valuation

Source: McDowell County records · Assessment roll updated September 30, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	McDowell County
Unified School District	McDowell County Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,516.00	$220,350 (-) Land $35,000 Building $185,350
2023	$1,516.00 (+37.57%)	$220,350 (+39.5%) Land $35,000 Building $185,350	$220,350 (+39.5%) Land $35,000 Building $185,350
2022	$1,102.00	$157,960 Land $22,500 Building $135,460	$157,960 Land $22,500 Building $135,460

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McDowell County (37111C), updated December 13, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371119701021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (2024)
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 5 claims

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 855 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 48 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Skyrunner	Fixed Wireless (unlicensed)	25 / 10
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Spectrum, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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