Avery County property record for 95 Sammy Ln, Spruce Pine, NC 28777
| Property Type | Mobile Home |
|---|---|
| Details | 4 bd · 3 ba · 1,872 sqft · built 1996 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (Sep 2021) |
| Tax Bill | $477 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76286 |
| Primary APN | 76286 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,872 sqft Heated Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,265 sqft (0.58 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 130 sqft |
| Deck Area | 242 sqft |
| Patio Area | 242 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Oil |
| Account Number | 76286 |
|---|---|
| Street Address | 95 SAMMY LN |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-8361 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | TRACT 3 34 25 |
| Legal Tract | 3 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | INGALLS |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 930400 |
Source: Avery County records, as of December 3, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 95 SAMMY LN, SPRUCE PINE, NC 28777-8361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2021 · Amount on Record |
| Deed Sale | Sep 24, 2021 · Amount on Record |
| Deed Document Number | 0005561083 |
| Deed Book / Page | 556 / 1083 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Sep 24, 2021 |
| Property Address | 95 SAMMY LN, SPRUCE PINE, NC 28777-8361 |
| Document Number | 2021005790 |
| Book / Page | 566 / 1083 |
| Map Reference | MB 34 PG 25 |
| Instrument Date | Jun 10, 2021 |
| Instrument | 2021005790 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7693 US 19E, 7693, SPRUCE PINE, NC 28777-6007 |
| Name | Verified Name |
|---|---|
| Address | 350 BARNEY MCKINNEY RD, SPRUCE PINE, NC 28777-5489 |
| Document Number | 0000005792 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 566/1089 |
| Instrument | 2021005792 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Oct 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Index | 5-Year CMT |
| Max Rate | 9.15% |
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $477.00 | $119,300 (-) Land $9,900 Building $109,400 | $119,300 (-) Land $9,900 Building $109,400 |
| 2023 | $477.00 | $119,300 (-) Land $9,900 Building $109,400 | $119,300 (-) Land $9,900 Building $109,400 |
| 2022 | $477.00 | $119,300 Land $9,900 Building $109,400 | $119,300 Land $9,900 Building $109,400 |
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 January 9, 2025 · 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 | 3 (2008–2024) |
| Claims Outside the SFHA | 1 of 3 |
| 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 46% of the US · above 67% 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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
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