108 Lucas St, Sparta, NC 28675 Property Records

Alleghany County property record for 108 Lucas St, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,577 sqft · built 1966
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jun 2023)
Tax Bill	$854 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3071811207`

Property Details

APN / Parcel Number

Primary APN	`3071811207`
Alternative APNs	`76889` `83074`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,577 sqft Living Area
1st Floor Area	1,577 sqft
Basement Area	1,577 sqft
Unfinished Basement	1,577 sqft
Utility Area	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	105 sqft
Patio Area	35 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	83074
Street Address	108 LUCAS ST
City	SPARTA
State	NC
Zip	28675-9192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	#26-29 LUCAS C.G
Legal Subdivision	LUCAS, C.G
Legal Block	083
Legal Lot Number	26-29
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1023
Census Tract	950200

Owner

Source: Alleghany County records, as of August 21, 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	PO BOX 993, SPARTA, NC 28675-0993
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2023 · Amount on Record
Deed Sale	Jun 29, 2023 · Amount on Record
Prior Sale	Feb 18, 2016 · Amount on Record
Deed Document Number	20231356
Deed Book / Page	437 / 814
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Jun 29, 2023
Property Address	108 LUCAS ST, SPARTA, NC 28675-9192
Document Number	000437/814
Book / Page	437 / 814
Map Reference	MB 12 PG 420
Instrument Date	Jun 29, 2023
Instrument	1356
Transaction Type	Transfer
Record Updated	Jul 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 LUCAS ST, SPARTA, NC 28675-9192

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 993, SPARTA, NC 28675-0993

Mortgage

Document Number	000437/816
Date	Jun 29, 2023
Book Page	437/816
Instrument	1357

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.2%
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	7.2%
Index	5-Year TN
Margin	2
Max Rate	11.2%

Tax Assessment & Valuation

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	$854.00 (+1.18%)	$119,100 (-) Land $23,900 Building $95,200	$119,100 (-) Land $23,900 Building $95,200
2025	$844.00
2023		$119,100 Land $23,900 Building $95,200	$119,100 Land $23,900 Building $95,200

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 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

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

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