91 Duncan St, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 91 Duncan St, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1974
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Apr 2024)
Tax Bill	$915 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0890-00-50-1013`

Property Details

APN / Parcel Number

Primary APN	`0890-00-50-1013`
Alternative APN	`555781645`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	555781645
Street Address	91 DUNCAN ST
City	SPRUCE PINE
State	NC
Zip	28777-8932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 13 BLK 1 LOT 14A
Legal Block	1
Legal Lot Number	14A
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	3
Census Block	3012
Census Tract	950300

Owner

91 Duncan St is owned and occupied by two individuals who bought it in April 2024.

Source: Mitchell County records, as of September 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	91 DUNCAN ST, SPRUCE PINE, NC 28777-8932
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Quit Claim Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 19, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2024 · Amount on File
Deed Sale	Apr 12, 2024 · Amount on File
Prior Sale	Jun 19, 2018 · Amount on File
Deed Document Number	2024590
Deed Book / Page	667 / 434
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 12, 2024
Property Address	91 DUNCAN ST, SPRUCE PINE, NC 28777-8932
Document Number	000667/434
Book / Page	667 / 434
Instrument Date	Apr 12, 2024
Instrument	2024000590
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Amount	Amount on Record
Tax	$50.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 DUNCAN ST, SPRUCE PINE, NC 28777-8932

Mortgage

Document Number	000667/437
Date	Apr 12, 2024
Book Page	667/437
Instrument	2024000591

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2029
Change Frequency	5 Years
Min Rate At Change	4%
Max Rate At Change	8%
Index	5-Year TN
Max Rate	12%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jun 19, 2018
Property Address	91 DUNCAN ST, SPRUCE PINE, NC 28777-8932
Document Number	592/154
Book / Page	592 / 154
Instrument Date	Jun 19, 2018
Instrument	2018001032
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 DUNCAN ST, 91, SPRUCE PINE, NC 28777-8932

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 FRANKLIN CREST RD, SPRUCE PINE, NC 28777-9263

Mortgage

Document Number	592/157
Date	Jun 19, 2018
Book Page	592/157
Instrument	2018001033

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 91 Duncan St was $915.

Source: Mitchell County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Mitchell County
Municipality	Spruce Pine Town
Unified School District	Mitchell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$915.00	$163,400 (-) Land $16,300 Building $147,100
2025	$915.00	$163,400 Land $16,300 Building $147,100
2023	$915.00	$163,400 Land $16,300 Building $147,100	$163,400 Land $16,300 Building $147,100

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

Flood

FEMA maps place 91 Duncan St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

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 Claims	2 (1983–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1996 · rainfall accumulation

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 91 Duncan St is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.08% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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