188 Walnut Ridge Rd, Sparta, NC 28675 Property Records

Alleghany County property record for 188 Walnut Ridge Rd, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 1985
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Sep 2023)
Tax Bill	$829 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3081126255`

Property Details

APN / Parcel Number

Primary APN	`3081126255`
Alternative APNs	`78685` `81943` `83265`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Combination
Construction Type	Frame
Lot Area	33,977 sqft (0.78 acres)
Deck Area	32 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric
Water Source	Well

Location & Zoning

Account Number	83265
Street Address	188 WALNUT RIDGE RD
City	SPARTA
State	NC
Zip	28675-8758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	#25 WALNUT RIDGE
Legal Subdivision	WALNUT RIDGE
Legal Block	157
Legal Lot Number	25
Legal Unit	25
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1028
Census Tract	950200

Owner

188 Walnut Ridge Rd is owned and occupied by two individuals who bought it in September 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Sep 13, 2023	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 4, 2022	Warranty Deed, Transfer
Feb 9, 2018	Warranty Deed, Transfer SKYLINE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2023 · Amount on File
Deed Sale	Sep 13, 2023 · Amount on File
Prior Sale	May 4, 2022 · Amount on File
Deed Document Number	20231990
Deed Book / Page	439 / 425
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	TRUE CONCEPT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758

Mortgage

Document Number	00454/1891
Date	Mar 18, 2026
Book Page	454/1891
Instrument	2025003124

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000439/439
Date	Sep 13, 2023
Book Page	439/439
Instrument	1992

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2033

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Sep 13, 2023
Property Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758
Document Number	000439/425
Book / Page	439 / 425
Map Reference	MB 4 PG 98
Instrument Date	Sep 11, 2023
Instrument	1990
Transaction Type	Transfer
Record Updated	Oct 4, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	629 IRWIN VALLEY RD, SPARTA, NC 28675-8460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758

Mortgage

Document Number	0000001991
Date	Sep 13, 2023
Instrument	1991

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	000439/418
Date	Sep 13, 2023
Book Page	439/418
Instrument	1989

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2033

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	May 4, 2022
Property Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758
Document Number	00428/1458
Book / Page	428 / 1458
Map Reference	MB 4 PG 98
Instrument Date	May 3, 2022
Instrument	1054
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 DEER HAVEN RD, SPARTA, NC 28675-8575

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 IRWIN VALLEY RD, SPARTA, NC 28675-8460

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Feb 9, 2018
Property Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758
Document Number	000390/983
Book / Page	390 / 983
Instrument Date	Feb 9, 2018
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 WALNUT RIDGE RD, SPARTA, NC 28675-8758

Mortgage

Document Number	0000000390/0000000985
Date	Feb 9, 2018
Book Page	0000000390/0000000985
Instrument	000000000212

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 188 Walnut Ridge Rd was $829, up 1.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$829.00 (+1.22%)	$115,100 (-) Land $22,900 Building $92,200	$115,100 Land $22,900 Building $92,200
2025	$819.00	$115,100 Land $22,900 Building $92,200
2023		$98,400 Land $22,900 Building $75,500	$98,400 Land $22,900 Building $75,500
2021			$115,100 Land $22,900 Building $92,200

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 188 Walnut Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 188 Walnut Ridge Rd is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% 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 41 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 only, no 5G reported

Nearby Properties on Walnut Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures