Mitchell County property record for 90 Thomas Rd, Spruce Pine, NC 28777 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,920 sqft Living Area |
| Lot Size | 100,188 sqft (2.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $322,000 (2021) |
| Tax Bill | $2,053.00 (2025) |
| Primary APN | 0891-00-84-5261 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,920 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 100,188 sqft (2.3 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 555784052 |
|---|---|
| Street Address | 90 THOMAS RD |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-9249 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1138 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 950300 |
Source: Mitchell County records · APN 0891-00-84-5261
Assessment roll updated October 17, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 90 THOMAS RD, SPRUCE PINE, NC 28777-9249 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 13, 2020 | Deed of Trust, Mortgage · Stand Alone Second Mortgage DISCOVER BANK |
| Oct 07, 2021 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Aug 19, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 07, 2021 · Amount on Record |
| Deed Sale | Oct 07, 2021 · Amount on Record |
| Deed Doc Number | 20212291 |
| Deed Book / Page | 634 / 360 |
| Prior Transfer Date | Aug 19, 2021 |
| Prior Transfer Doc | 000631/769 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 90 THOMAS RD, SPRUCE PINE, NC 28777-9249 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 000611/461 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 611/461 |
| Instrument | 2020000395 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Oct 07, 2021 |
| Property Address | 90 THOMAS RD, SPRUCE PINE, NC 28777-9249 |
| Document Number | 000634/360 |
| Book / Page | 634 / 360 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 2021002291 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $644.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 THOMAS RD, 90, SPRUCE PINE, NC 28777-9249 |
| Name | Verified Name |
|---|---|
| Address | 90 THOMAS RD, SPRUCE PINE, NC 28777-9249 |
| Document Number | 2021002292 |
|---|---|
| Date | Oct 07, 2021 |
| Instrument | 2021002292 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Aug 19, 2021 |
| Property Address | 90 THOMAS RD, SPRUCE PINE, NC 28777-9249 |
| Document Number | 000631/769 |
| Book / Page | 631 / 769 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 2021001817 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 90 THOMAS RD, SPRUCE PINE, NC 28777-9249 |
Source: Mitchell County records · Assessment roll updated October 17, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Unified School District | Mitchell County Schools (PK - 12) |
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 | $2,053.00 (+1.58%) | $320,800 (-) Land $63,000 Building $257,800 | |
| 2023 | $2,021.00 | $320,800 Land $63,000 Building $257,800 | $320,800 Land $63,000 Building $257,800 |
90 Thomas Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Mitchell County (37121C), updated May 2, 2018
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 54th percentile of exposed land nationally · 76th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 787 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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