1472 E Mill Creek Rd, Todd, NC 28684 Property Records

Ashe County property record for 1472 E Mill Creek Rd, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 1958
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Nov 2023)
Tax Bill	$1,166 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04159-137`

Property Details

APN / Parcel Number

Primary APN	`04159-137`
Alternative APNs	`106627` `115650`

Interior

Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,200 sqft Heated Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Lot Area	435,600 sqft (10 acres)

Location & Zoning

Account Number	115650
Street Address	1472 E MILL CREEK RD
City	TODD
State	NC
Zip	28684-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 A ADJ JAMES HOUCK RT 1112 (RURAL PAVED) ADJ RIC
Jurisdiction	ASHE NC
Township / Civil Division	ELK
Census Block Group	4
Census Block	4017
Census Tract	970701

Owner

Source: Ashe County records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1472 E MILL CREEK RD, TODD, NC 28684-9423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage LIFESTORE BANK
Nov 1, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Deed Document Number	20235008
Deed Book / Page	557 / 2234
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	1472 E MILL CREEK RD, TODD, NC 28684-9423
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1472 E MILL CREEK RD, TODD, NC 28684-9423

Mortgage

Document Number	000578/239
Date	Oct 8, 2025
Book Page	578/239
Instrument	4672

Lender

Name	LIFESTORE BANK
Type	Bank
Address	21 E ASHE ST, WEST JEFFERSON, NC 28694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Nov 1, 2023
Property Address	1472 E MILL CREEK RD, TODD, NC 28684-9423
Document Number	00557/2234
Book / Page	557 / 2234
Instrument Date	Nov 1, 2023
Instrument	5008
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1472 E MILL CREEK RD, TODD, NC 28684-9423

Mortgage

Document Number	00557/2238
Date	Nov 1, 2023
Book Page	557/2238
Instrument	5009

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	9.87%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.87%
Max Rate At Change	14.8%
Margin	3
Max Rate	14.8%

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Ashe County
Unified School District	Ashe County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,166.00 (+6.29%)	$231,400 (+2.07%) Land $79,800 Building $151,600	$231,400 (+2.07%) Land $79,800 Building $151,600
2023	$1,097.00 (+6.92%)	$226,700 (+42.31%) Land $79,800 Building $146,900	$226,700 (+42.31%) Land $79,800 Building $146,900
2022	$1,026.00	$159,300 Land $69,000 Building $90,300	$159,300 Land $69,000 Building $90,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2017 · 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	8 in force
Nearby Flood Claims	11 (2024)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 11 claims

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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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