Mitchell County property record for 92 Boone St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,008 sqft · built 1954 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $204,000 (Dec 2019) |
| Tax Bill | $1,462 (2026) |
| Deeds & Mortgages | Apr 2023 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0789-08-99-0863 |
| Primary APN | 0789-08-99-0863 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,008 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Wood |
| Lot Area | 54,450 sqft (1.25 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 555782516 |
|---|---|
| Street Address | 92 BOONE ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 58 BL 1 LOT 12A |
| Legal Lot Number | 12A |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950400 |
92 Boone St is owned and occupied by an individual who bought it in December 2019.
Source: Mitchell County records, as of September 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 92 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| 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.
| Date | Document |
|---|---|
| Apr 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jan 12, 2017 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2019 · Amount on File |
| Deed Sale | Dec 12, 2019 · Amount on File |
| Prior Sale | Jan 12, 2017 · Amount on File |
| Deed Document Number | 20192234 |
| Deed Book / Page | 608 / 749 |
| Prior Transfer Date | Jun 18, 2008 |
| Prior Transfer Doc | 000482/358 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 92 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2023 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE AND ESCROW INC |
| Name | Verified Name |
|---|
| Document Number | 0000657/14 |
|---|---|
| Date | Apr 27, 2023 |
| Book Page | 657/14 |
| Instrument | 2023000896 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Dec 12, 2019 |
| Property Address | 92 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 000608/749 |
| Book / Page | 608 / 749 |
| Instrument Date | Dec 11, 2019 |
| Instrument | 2019002234 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $408.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 94 BOSTON HILL RD, 94, SPRUCE PINE, NC 28777-6119 |
| Name | Verified Name |
|---|---|
| Address | 92 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 2019002235 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | 2019002235 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jan 12, 2017 |
| Property Address | 92 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 000576/664 |
| Book / Page | 576 / 664 |
| Instrument Date | Dec 12, 2016 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 92 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 000576/667 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 576/667 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2026 property tax bill for 92 Boone St was $1,462.
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,462.00 | $261,200 (-) Land $31,300 Building $229,900 | |
| 2025 | $1,462.00 | $261,200 Land $31,300 Building $229,900 | |
| 2023 | $1,462.00 | $261,200 Land $31,300 Building $229,900 | $261,200 Land $31,300 Building $229,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 92 Boone St in Zone X, an area of minimal flood risk.
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 Policies | 3 in force |
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 risk around 92 Boone St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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