Mitchell County property record for 99 Boone St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1980 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Feb 2026) |
| Tax Bill | $930 (2026) |
| Deeds & Mortgages | Jun 2005 Line of Credit Dec 2014 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0880-20-80-9016 |
| Primary APN | 0880-20-80-9016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Lot Area | 17,424 sqft (0.4 acres) |
| Heating System | Central |
|---|
| Account Number | 555786238 |
|---|---|
| Street Address | 99 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 2 |
| Legal Subdivision | RAY HOWELL AND WIFE GEORGIA B HOWELL |
| Legal Lot Number | 2 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950400 |
Source: Mitchell County records, as of September 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jun 30, 2005 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Dec 22, 2014 | Deed of Trust, Mortgage · Conventional Mortgage BBMC MORTGAGE LLC |
| Feb 23, 2026 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 29, 2018 | Intrafamily Transfer, Transfer |
| May 17, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2026 · Amount on Record |
| Deed Sale | Feb 23, 2026 · Amount on Record |
| Prior Sale | May 17, 2017 · Amount on Record |
| Deed Document Number | 2026281 |
| Deed Book / Page | 687 / 347 |
| Prior Transfer Date | Feb 13, 2013 |
| Prior Transfer Doc | 541/639 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000417/861 |
|---|---|
| Date | Jun 30, 2005 |
| Book Page | 417/861 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 31, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL NC |
| Property Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000554/318 |
|---|---|
| Date | Dec 22, 2014 |
| Book Page | 554/318 |
| Instrument | 2014002411 |
| Name | BBMC MORTGAGE LLC |
|---|---|
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Feb 23, 2026 |
| Property Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 000687/347 |
| Book / Page | 687 / 347 |
| Map Reference | MB 687 PG 349 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 2026000281 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1101 37TH AVENUE LN NE, HICKORY, NC 28601-9689 |
| Name | Verified Name |
|---|---|
| Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 2026000282 |
|---|---|
| Date | Feb 23, 2026 |
| Instrument | 2026000282 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Nov 29, 2018 |
| Property Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 596/843 |
| Book / Page | 596 / 843 |
| Instrument Date | Oct 20, 2018 |
| Instrument | 2018002032 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | May 17, 2017 |
| Property Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Document Number | 580/086 |
| Book / Page | 580 / 086 |
| Instrument Date | May 17, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 99 BOONE ST, 99, SPRUCE PINE, NC 28777-8825 |
| Name | Verified Name |
|---|---|
| Address | 99 BOONE ST, SPRUCE PINE, NC 28777-8825 |
| Investor | Possibly a Property Investor |
| Document Number | 000580/088 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 580/088 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| 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% |
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 | $930.00 | $166,200 (-) Land $18,200 Building $148,000 | |
| 2025 | $930.00 | $166,200 (-) Land $18,200 Building $148,000 | |
| 2023 | $930.00 | $166,200 Land $18,200 Building $148,000 | $166,200 Land $18,200 Building $148,000 |
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 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.
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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