107 Lucas St, Sparta, NC 28675 Property Records

Alleghany County property record for 107 Lucas St, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,104 sqft · built 1963
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$322,500 (Apr 2026)
Tax Bill	$951 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3071719311`

Property Details

APN / Parcel Number

Primary APN	`3071719311`
Alternative APNs	`80233` `80777` `85642`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,104 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	17,424 sqft (0.4 acres)
Garage Area	323 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	85642
Street Address	107 LUCAS ST
City	SPARTA
State	NC
Zip	28675-9192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	#84-87 LUCAS C.G
Legal Subdivision	LUCAS, C.G
Legal Block	083
Legal Lot Number	84-87
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1024
Census Tract	950200

Owner

107 Lucas St is owned and occupied by an individual who bought it in April 2026.

Source: Alleghany County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	107 LUCAS ST, SPARTA, NC 28675-9192
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Sep 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage GO MORTGAGE LLC
Oct 16, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 29, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 29, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage GO MORTGAGE LLC
Sep 18, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on File
Deed Sale	Apr 29, 2026 · Amount on File
Prior Sale	Jul 1, 2022 · Amount on File
Deed Document Number	20263430
Deed Book / Page	455 / 824
Prior Transfer Date	Feb 28, 2011
Prior Transfer Doc	342/0948
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	107 LUCAS ST, SPARTA, NC 28675-9192
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432/54
Date	Sep 19, 2022
Book Page	432/54
Instrument	2207

Lender

Name	GO MORTGAGE LLC
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2052

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	107 LUCAS ST, SPARTA, NC 28675-9192
Transaction Type	Mortgage
Record Updated	Jun 12, 2026
Title Company	SILK TITLE AND ESCROW FT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 LUCAS ST, SPARTA, NC 28675-9192

Mortgage

Document Number	0000440/16
Date	Oct 16, 2023
Book Page	440/16
Instrument	2241

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Apr 29, 2026
Property Address	107 LUCAS ST, SPARTA, NC 28675-9192
Document Number	0000003430
Book / Page	455 / 824
Instrument Date	Apr 29, 2026
Instrument	2026.3430
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RECO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 LUCAS ST, SPARTA, NC 28675-9192

Mortgage

Document Number	0000003431,
Date	Apr 29, 2026
Instrument	2026..3431

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

Mortgage

Document Number	0000003432,
Date	Apr 29, 2026
Book Page	455/848
Instrument	2026.3432

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	10 Months
Due	May 1, 2036

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Apr 29, 2026
Property Address	107 LUCAS ST, SPARTA, NC 28675-9192
Document Number	000455/824
Book / Page	455 / 824
Instrument Date	Apr 29, 2026
Instrument	2026.3430
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 LUCAS ST, SPARTA, NC 28675-9192

Mortgage

Document Number	0000003431,
Date	Apr 29, 2026
Book Page	455/827
Instrument	2026.3431

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

Mortgage

Document Number	0000003432,
Date	Apr 29, 2026
Book Page	455/848
Instrument	2026.3432

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	10 Months
Due	May 1, 2036

Interest

Rate	6.22%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Jul 1, 2022
Property Address	107 LUCAS ST, SPARTA, NC 28675-9192
Document Number	000430/592
Book / Page	430 / 592
Map Reference	MB 1 PG 69
Instrument Date	Jun 24, 2022
Instrument	1559
Transaction Type	Transfer
Record Updated	Jul 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 ABELLO RD SE, 131, PALM BAY, FL 32909-8815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LUCAS ST, SPARTA, NC 28675-9378

Mortgage

Document Number	0000001560
Date	Jul 1, 2022
Instrument	1560

Lender

Name	GO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Sep 18, 2020
Property Address	107 LUCAS ST, SPARTA, NC 28675-9192
Document Number	411/549
Book / Page	411 / 549
Map Reference	MB 1 PG 69
Instrument Date	Sep 11, 2020
Instrument	2074
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 HOSPITAL RD, 48, SPARTA, NC 28675-9217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 LUCAS ST, SPARTA, NC 28675-9192

Mortgage

Document Number	2075
Date	Sep 18, 2020
Instrument	2075

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 107 Lucas St was $951, up 1.8% from the year before.

Source: Alleghany County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Alleghany County
Municipality	Sparta Town
Unified School District	Alleghany County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$951.00 (+1.82%)	$134,000 (+0.9%) Land $24,000 Building $110,000	$134,000 Land $24,000 Building $110,000
2025	$934.00	$132,800 Land $24,000 Building $108,800
2023		$132,800 Land $24,000 Building $108,800	$132,800 Land $24,000 Building $108,800
2021			$132,800 Land $24,000 Building $108,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 107 Lucas St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective July 16, 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	3 in force
Nearby Flood Claims	3 (2018–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 107 Lucas St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SPARTA serves 1,900 people · EPA ID NC0103010
Water Source	Purchased surface water from VIRGINIA CAROLINA WATER AUTHORITY
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	2.05 mg/L (2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lucas St

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