97 Pebble Ridge Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 97 Pebble Ridge Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Residential Vacant Land
Lot Size	41.2 acres (1,795,979 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Oct 2026)
Tax Bill	$96 (2026)
Deeds & Mortgages	Oct 2026 Sale Jul 2021 Construction Loan + 11 more
Flood Zone	Zone X (minimal risk)
APN	`0779-00-62-8098`

Property Details

APN / Parcel Number

Primary APN	`0779-00-62-8098`
Alternative APN	`555781772`

Exterior

Lot Area	1,795,979 sqft (41.2 acres)

Location & Zoning

Account Number	555781772
Street Address	97 PEBBLE RIDGE RD
City	SPRUCE PINE
State	NC
Zip	28777-0735
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	SHADOWOOD DRIVE
Legal Subdivision	COMPOSITE PLAT FOR SHADOWOOD
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2056
Census Tract	950400

Owner

97 Pebble Ridge Rd, residential vacant land, is owned by two individuals who bought it in October 2026.

Source: Mitchell County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	151 CAT PILLOW RD, SPRUCE PINE, NC 28777-9208
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 1, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 30, 2021	Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK
Apr 29, 2025	Warranty Deed, Transfer
Sep 17, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU
Jun 8, 2022	Warranty Deed, Transfer
Feb 10, 2022	Warranty Deed, Transfer
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage OLD DOMINION NATIONAL BANK
Aug 3, 2021	Warranty Deed, Transfer
Jun 4, 2021	Warranty Deed, Transfer
Aug 28, 2019	Warranty Deed, Transfer
Nov 15, 2018	Deed, Transfer
Mar 26, 2018	Intrafamily Transfer, Transfer
Feb 6, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Sep 17, 2024 · Amount on File
Deed Document Number	20261780
Deed Book / Page	694 / 766
Prior Transfer Date	Nov 15, 2018
Prior Transfer Doc	000596/511
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Oct 1, 2026
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	0000001780
Book / Page	694 / 766
Instrument Date	Sep 30, 2026
Instrument	20261780
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$17,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 CAT PILLOW RD, SPRUCE PINE, NC 28777-9208

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL NC
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	SHADOWOOD DRIVE, SPRUCE PINE, NC 28777

Mortgage

Document Number	000630/766
Date	Jul 30, 2021
Book Page	630/766
Instrument	2021001651

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2052

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 29, 2025
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	0000678/77
Book / Page	678 / 77
Instrument Date	Apr 28, 2025
Instrument	2025000672
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 CAT PILLOW RD, SPRUCE PINE, NC 28777-9208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1821 NEW BUCKEYE RD, EAST DUBLIN, GA 31027-2373

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Sep 17, 2024
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000672/478
Book / Page	672 / 478
Instrument Date	Aug 29, 2024
Instrument	2024001609
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 573, SPRUCE PINE, NC 28777-0573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 FORDHAM RD, CHARLOTTE, NC 28208-6216

Mortgage

Document Number	2024001610
Date	Sep 17, 2024
Instrument	2024001610

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2034

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jun 8, 2022
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	0000645/83
Book / Page	645 / 83
Instrument Date	May 20, 2022
Instrument	2022001838
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount on Record
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 EARL DR, LYMAN, SC 29365-1205

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Feb 10, 2022
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000639/650
Book / Page	639 / 650
Map Reference	FILE 19-031
Instrument Date	Feb 8, 2022
Instrument	2022000268
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$46.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 CAT PILLOW RD, SPRUCE PINE, NC 28777-9208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 FAIRWAY LN APT B, B, SPRUCE PINE, NC 28777-8863

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 13, 2021
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000631/437
Book / Page	631 / 437
Instrument Date	Aug 10, 2021
Instrument	2021001755
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	BOSTON NATIONAL TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$758.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 SUNNYBROOK DR, ASHEVILLE, NC 28805-9754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 CHARLIE WOODY MOUNTAIN RD, SPRUCE PINE, NC 28777-8684

Mortgage

Document Number	2021001756
Date	Aug 13, 2021
Instrument	2021001756

Lender

Name	OLD DOMINION NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 3, 2021
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000630/898
Book / Page	630 / 898
Instrument Date	Aug 3, 2021
Instrument	2021001668
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SUNNYBROOK DR, ASHEVILLE, NC 28805-9754

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Jun 4, 2021
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000628/577
Book / Page	628 / 577
Instrument Date	May 28, 2021
Instrument	2021001205
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$45.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 CAT PILLOW RD, SPRUCE PINE, NC 28777-9208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 945, SPRUCE PINE, NC 28777-0945

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Aug 28, 2019
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000605/200
Book / Page	605 / 200
Map Reference	FILE 19-031
Instrument Date	Aug 20, 2019
Instrument	2019001548
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$57.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 573, SPRUCE PINE, NC 28777-0573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	888 CROSS CREEK RD, REEVESVILLE, SC 29471-5118

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MITCHELL NC
Recording Date	Nov 15, 2018
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000596/511
Book / Page	596 / 511
Instrument Date	Nov 15, 2018
Instrument	2018001962
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 573, SPRUCE PINE, NC 28777-0573
Investor	Possibly a Property Investor

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MITCHELL NC
Recording Date	Mar 26, 2018
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000589/366
Book / Page	589 / 366
Instrument Date	Mar 26, 2018
Instrument	2018000483
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 573, SPRUCE PINE, NC 28777-0573
Investor	Possibly a Property Investor

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Feb 6, 2018
Property Address	97 PEBBLE RIDGE RD, SPRUCE PINE, NC 28777-0735
Document Number	000588/189
Book / Page	588 / 189
Instrument Date	Feb 2, 2018
Instrument	2018000204
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 SHADOWOOD DR, SPRUCE PINE, NC 28777-9407

Tax Assessment & Valuation

The 2026 property tax bill for 97 Pebble Ridge Rd was $96, down 23.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$96.00 (-23.81%)	$412,300 (-23.46%) Land $412,300
2025	$126.00	$538,700 Land $538,700
2023	$124.00	$538,700 Land $538,700	$851,400 Land $851,400

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

Flood

FEMA maps place 97 Pebble Ridge Rd 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

Wildfire risk around 97 Pebble Ridge Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.09% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable	400 / 24
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
AT&T Fixed Wireless	25 / 3
Carolina West Wireless Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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