1. Home
  2. North Carolina
  3. Alleghany County
  4. Sparta
  5. Clover Cir

189 Clover Cir, Sparta, NC 28675 Property Records

Alleghany County property record for 189 Clover Cir, Sparta, NC 28675

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,250 sqft · built 1989
Lot Size1.36 acres (59,242 sqft)
Owner2 Individual Names on File
Last Sale$175,000 (Jun 2021)
Tax Bill$862 (2025)
Deeds & MortgagesNov 2021 Mortgage
Jun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN3979691282

Property Details

APN / Parcel Number

Primary APN3979691282
Alternative APN
  • 80962

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,250 sqft Living Area
1st Floor Area750 sqft
Basement Area750 sqft
Unfinished Basement750 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleCottage
Exterior MaterialLogs
Lot Area59,242 sqft (1.36 acres)

Exterior Amenities

PorchOpen Porch
Deck Area200 sqft
Shed1 Shed
Shed Area160 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemForced Air with A/C
Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Account Number80962
Street Address189 CLOVER CIR
CitySPARTA
StateNC
Zip28675
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description#6 CROUSE RALPH
Legal SubdivisionCROUSE, RALPH PROPERTY
Legal Block293
Legal Lot Number6
JurisdictionALLEGHANY NC
Township / Civil DivisionWHITEHEAD
Census Block Group3
Census Block3026
Census Tract950200

Owner

Source: Alleghany County records · APN 3979691282

Assessment roll updated August 15, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address119 TOPSAIL PL, MOORESVILLE, NC 28117-9653
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 03, 2021Deed of Trust, Mortgage · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Jun 02, 2021Warranty Deed, Transfer · Conventional Mortgage
RAPID MORTGAGE COMPANY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 02, 2021 · Amount on Record
Deed SaleJun 02, 2021 · Amount on Record
Prior SaleSep 28, 2015 · Amount on Record
Deed Document Number20211594
Deed Book / Page419 / 427
Record UpdatedSep 20, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGHANY NC
Property Address189 CLOVER CIR, SPARTA, NC 28675
Transaction TypeMortgage
Record UpdatedAug 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000424/89
DateNov 03, 2021
Book Page424/89
Instrument3221
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGHANY NC
Recording DateJun 02, 2021
Property Address189 CLOVER CIR, SPARTA, NC 28675
Document Number000419/427
Book / Page419 / 427
Map ReferenceMB 6 PG 63
Instrument DateMay 02, 2021
Instrument1594
Transaction TypeTransfer
Record UpdatedAug 22, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$350.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 97, ROARING GAP, NC 28668-0097

Transferred To (Grantee/Buyer)

NameVerified Name
Address119 TOPSAIL PL, MOORESVILLE, NC 28117-9653

Mortgage

Document Number0000001595
DateJun 02, 2021
Instrument1595
Lender
NameRAPID MORTGAGE COMPANY
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

Tax Assessment & Valuation

Source: Alleghany County records · Assessment roll updated August 15, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyAlleghany County
Unified School DistrictAlleghany County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$122,000 (-) Land $35,400 Building $86,600$122,000 (-) Land $35,400 Building $86,600
2025$862.00
2023$122,000 Land $35,400 Building $86,600$122,000 Land $35,400 Building $86,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 16, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1979)
Most Recent ClaimSep 1979 · rainfall accumulation

Wildfire

Wildfire RiskModerate
above 43% of the US · above 64% of North Carolina
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Loretto Telephone Company
Fiber		2,000 / 2,000

Based on FCC filings for 21 locations within half a mile of this property.

Cell Coverage

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

Nearby Properties on Clover Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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