130 Middle Ridge Rd, Todd, NC 28684 Property Records

Watauga County property record for 130 Middle Ridge Rd, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,194 sqft · built 1996
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (May 2020)
Tax Bill	$990 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2924-74-4553-000`

Property Details

APN / Parcel Number

Primary APN	`2924-74-4553-000`
Alternative APN	`1813578`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,194 sqft Living Area
1st Floor Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	48 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1813578
Street Address	130 MIDDLE RIDGE RD
City	TODD
State	NC
Zip	28684-9041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 MIDDLE RIDGE ESTATES
Legal Subdivision	MIDDLE RIDGE ESTATES
Legal Lot Number	11
Jurisdiction	WATAUGA NC
Township / Civil Division	BALD MOUNTAIN
Census Block Group	1
Census Block	1028
Census Tract	920100

Owner

Source: Watauga County records, as of October 13, 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	130 MIDDLE RIDGE RD, TODD, NC 28684-9041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 7, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jun 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 25, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2020 · Amount on Record
Deed Sale	May 7, 2020 · Amount on Record
Prior Sale	Dec 6, 2010 · Amount on Record
Deed Document Number	2020689955
Deed Book / Page	2091 / 176
Prior Transfer Date	Aug 25, 2017
Prior Transfer Doc	0019340863
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	130 MIDDLE RIDGE RD, TODD, NC 28684-9041
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021840470
Date	Apr 21, 2021
Book Page	2184/470
Instrument	705225

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	May 7, 2020
Property Address	130 MIDDLE RIDGE RD, TODD, NC 28684-9041
Document Number	0020910176
Book / Page	002091 / 000176
Instrument Date	Apr 29, 2020
Instrument	689955
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	130 MIDDLE RIDGE RD TODD NC 286849041, TODD, NC 28684-9041

Mortgage

Document Number	20910178
Date	May 7, 2020
Book Page	002091/000178
Instrument	689956

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Jun 11, 2019
Property Address	130 MIDDLE RIDGE RD, TODD, NC 28684-9041
Document Number	0020320131
Book / Page	002032 / 000131
Instrument Date	Jun 5, 2019
Instrument	679698
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	130 MIDDLE RIDGE RD TODD NC 286849041, TODD, NC 28684-9041

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Aug 25, 2017
Property Address	130 MIDDLE RIDGE RD, TODD, NC 28684-9041
Document Number	0019340860
Book / Page	1934 / 0860
Instrument Date	Aug 25, 2017
Instrument	661437
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Tax	$320.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1480 LONGHOPE RD, 1480, TODD, NC 28684-9040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 MIDDLE RIDGE RD, TODD, NC 28684-9041

Mortgage

Document Number	0019340863
Date	Aug 25, 2017
Book Page	1934/0863
Instrument	661438

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$225,600 (-) Land $43,000 Building $182,600
2025	$990.00 (+1.23%)	$225,600 (-) Land $43,000 Building $182,600
2024	$978.00		$225,600 Land $43,000 Building $182,600
2023		$225,600 Land $43,000 Building $182,600

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 17, 2024 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2024)
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	Moderate above 40% of the US · above 58% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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