Mitchell County property record for 96 Laurel Ave, Spruce Pine, NC 28777 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1958 |
| Square Footage | 1,102 sqft Living Area |
| Lot Size | 12,632 sqft (0.289 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $124,000 (2020) |
| Tax Bill | $887.00 (2025) |
Source: Mitchell County records · APN 0880-20-81-1935
Assessment roll updated January 1, 2025 · Last verified October 2025
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 | 96 LAUREL AVE, SPRUCE PINE, NC 28777-2749 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 27, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Feb 09, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 04, 2020 | Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 04, 2020 · Amount on Record |
| Deed Sale | Feb 04, 2020 · Amount on Record |
| Prior Sale | Dec 29, 2005 · Amount on Record |
| Deed Doc Number | 2020000178 |
| Deed Book / Page | 610 / 441 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 96 LAUREL AVE, SPRUCE PINE, NC 28777-2749 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000663/88 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | 663/88 |
| Instrument | 2023002132 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 96 LAUREL AVE, SPRUCE PINE, NC 28777-2749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 577/500 |
|---|---|
| Date | Feb 09, 2017 |
| Book Page | 577/500 |
| Instrument | 2017000247 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Feb 04, 2020 |
| Property Address | 96 LAUREL AVE, SPRUCE PINE, NC 28777-2749 |
| Document Number | 610/441 |
| Book / Page | 610 / 441 |
| Map Reference | MAP 89074 |
| Instrument Date | Feb 04, 2020 |
| Instrument | 2020000178 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $248.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 96 LAUREL AVE, SPRUCE PINE, NC 28777-2749 |
| Document Number | 2020000179 |
|---|---|
| Date | Feb 04, 2020 |
| Instrument | 2020000179 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
Source: Mitchell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $887.00 (+3.26%) | $158,500 (+3.32%) Land $19,100 Building $139,400 |
| 2023 | $859.00 | $153,400 Land $19,100 Building $134,300 |
Source: FEMA National Flood Hazard Layer, Mitchell County (37121C), updated May 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 35% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,500 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 0880-20-81-1935 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,102 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1958 |
|---|---|
| Construction Type | Wood Construction |
| Lot Area | 12,632 sqft (0.289 acres) |
| Heating System | Central Heating |
|---|
| Account Number | 555782910 |
|---|---|
| Street Address | 96 LAUREL AVE |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2749 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MAP 56 BL A LOT 3 |
| Jurisdiction | MITCHELL NC |
| Minor Civil Division | GRASSY CREEK |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 950400 |
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