99 Galax Ridge Loop Rd, Spruce Pine, NC 28777 Property Records

Mitchell County property record for 99 Galax Ridge Loop Rd, Spruce Pine, NC 28777

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,180 sqft · built 1972
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,000 (Apr 2023)
Tax Bill	$1,167 (2026)
Deeds & Mortgages	Apr 2023 Sale Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0777-00-85-9268`

Property Details

APN / Parcel Number

Primary APN	`0777-00-85-9268`
Alternative APNs	`2010346000` `555783358` `555783227`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,180 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Foundation Type	No Foundation
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	555783227
Street Address	99 GALAX RIDGE LOOP RD
City	SPRUCE PINE
State	NC
Zip	28777-0409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1002
Jurisdiction	MITCHELL NC
Township / Civil Division	GRASSY CREEK
Census Block Group	2
Census Block	2065
Census Tract	950400

Owner

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	336 WARBRANCH RD, CENTRAL, SC 29630-8717
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Warranty Deed, Transfer
Mar 22, 2021	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2023 · Amount on Record
Deed Sale	Apr 18, 2023 · Amount on Record
Prior Sale	Mar 22, 2021 · Amount on Record
Deed Document Number	2023792
Deed Book / Page	656 / 476
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Apr 18, 2023
Property Address	99 GALAX RIDGE LOOP RD, SPRUCE PINE, NC 28777-0409
Document Number	000656/476
Book / Page	656 / 476
Map Reference	MB 625 PG 564
Instrument Date	Apr 15, 2023
Instrument	2023000792
Transaction Type	Transfer
Record Updated	May 4, 2023

Transaction

Amount	Amount Recorded
Tax	$502.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4776 KENNEDY ST, HICKORY, NC 28602-5460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	336 WARBANCH ROAD, CENTRAL, SC 29630-8717

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL NC
Recording Date	Mar 22, 2021
Property Address	99 GALAX RIDGE LOOP RD, SPRUCE PINE, NC 28777-0409
Document Number	625/564
Book / Page	625 / 564
Instrument Date	Mar 22, 2021
Instrument	2021000614
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$369.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1259 GREENSIDE DR NW, 1259, CONCORD, NC 28027-8110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 GALAX RIDGE LOOP RD, SPRUCE PINE, NC 28777-0409

Mortgage

Document Number	2021000615
Date	Mar 22, 2021
Instrument	2021000615

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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	$1,167.00	$182,400 (-) Land $13,500 Building $168,900
2025	$1,167.00 (+1.57%)	$182,400 (-) Land $13,500 Building $168,900
2023	$1,149.00	$182,400 Land $13,500 Building $168,900	$182,400 Land $13,500 Building $168,900

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

Flood

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

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

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% 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 31 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

Cell Coverage

No cell data coverage reported

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