Mitchell County property record for 894 Ridge Rd, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1,624 sqft · built 1989 |
| Lot Size | 2.53 acres (110,207 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $746 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1800-00-31-4825 |
| Primary APN | 1800-00-31-4825 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 110,207 sqft (2.53 acres) |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 001046598 |
|---|---|
| Street Address | 894 RIDGE RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1131 RIDGE ROAD |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950300 |
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 | 894 RIDGE RD, SPRUCE PINE, NC 28777-8430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 894 RIDGE RD, SPRUCE PINE, NC 28777-8430 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 635/154 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 635/154 |
| Instrument | 2021002450 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2031 |
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 | $746.00 | $116,600 (-) Land $32,200 Building $84,400 | |
| 2025 | $746.00 (+1.63%) | $116,600 (-) Land $32,200 Building $84,400 | |
| 2023 | $734.00 | $116,600 Land $32,200 Building $84,400 | $116,600 Land $32,200 Building $84,400 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 73% 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 14 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 |
5G and 4G LTE (outdoors only)
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