McDowell County property record for 90 Overlook Dr, Spruce Pine, NC 28777
| Property Type | Rural Home |
|---|---|
| Details | 1 bd · 1 ba · 1,176 sqft · built 1980 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Aug 2021) |
| Tax Bill | $1,009 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1729-00-05-1088 |
| Primary APN | 1729-00-05-1088 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Heated Area |
| Gross Area | 1,836 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 75781 |
|---|---|
| Street Address | 90 OVERLOOK DR |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 0.36 AC LT 28 BEAR DEN ACRES PB 4/87 |
| Legal Subdivision | BEAR DEN DEVELOPMENT INC |
| Legal Lot Number | 28 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | NORTH COVE |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 970102 |
Source: McDowell County records, as of December 2, 2025
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 Record |
|---|---|
| Mailing Address | 90 OVERLOOK DR, SPRUCE PINE, NC 28777 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2021 · Amount on Record |
| Deed Sale | Aug 31, 2021 · Amount on Record |
| Prior Sale | Jul 10, 2014 · Amount on Record |
| Deed Document Number | 20215638 |
| Deed Book / Page | 1367 / 527 |
| Prior Transfer Date | Aug 23, 2011 |
| Prior Transfer Doc | 0010560924 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Aug 31, 2021 |
| Property Address | 90 OVERLOOK DR, SPRUCE PINE, NC 28777-3081 |
| Document Number | 0013670527 |
| Book / Page | 1367 / 527 |
| Map Reference | MB 4 PG 87 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 2021005638 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 611 INDIAN WELLS CIR, LEXINGTON, NC 27295-8674 |
| Name | Verified Name |
|---|---|
| Address | 90 OVERLOOK DR, SPRUCE PINE, NC 28777-3081 |
| Document Number | 2021005639 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021005639 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: McDowell County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,009.00 | $146,680 (-) Land $35,000 Building $111,680 | |
| 2023 | $1,009.00 | $146,680 Land $35,000 Building $111,680 | $146,680 Land $35,000 Building $111,680 |
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 December 13, 2016 · 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 | 5 in force |
| Nearby Flood Claims | 5 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEAR DEN ACRES private · serves 140 people · EPA ID NC0156129 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
May also be available: AT&T, Spectrum, Verizon.
4G LTE (outdoors only), no 5G reported
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