195 Lucas St, Sparta, NC 28675 Property Records

Alleghany County property record for 195 Lucas St, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,384 sqft · built 1973
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$192,500 (May 2023)
Tax Bill	$1,042 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3071719794`

Property Details

APN / Parcel Number

Primary APN	`3071719794`
Alternative APNs	`78603` `82953`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,384 sqft Living Area
1st Floor Area	1,284 sqft
Basement Area	1,181 sqft
Unfinished Basement	1,181 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,939 sqft (0.32 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	200 sqft
Patio Area	288 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	82953
Street Address	195 LUCAS ST
City	SPARTA
State	NC
Zip	28675-9192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	#66-69 LUCAS CG
Legal Subdivision	LUCAS, C.G
Legal Block	083
Legal Lot Number	66-69
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1024
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	Individual Name on Record
Mailing Address	195 LUCAS ST, SPARTA, NC 28675-9192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Sep 14, 2018	Deed of Trust, Mortgage FIRST NATIONAL BANK
Sep 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Sep 14, 2018 · Amount on Record
Deed Document Number	20231018
Deed Book / Page	436 / 961
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	May 22, 2023
Property Address	195 LUCAS ST, SPARTA, NC 28675-9192
Document Number	000436/961
Book / Page	436 / 961
Map Reference	MB 1 PG 69
Instrument Date	May 19, 2023
Instrument	1018
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 340, ROARING GAP, NC 28668-0340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 LUCAS ST, SPARTA, NC 28675-9192

Mortgage

Document Number	0000001019
Date	May 22, 2023
Instrument	1019

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	000436/983
Date	May 22, 2023
Book Page	436/983
Instrument	1020

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	195 LUCAS ST, SPARTA, NC 28675-9192
Transaction Type	Mortgage
Record Updated	Oct 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000395/0000000169
Date	Sep 14, 2018
Book Page	0000000395/0000000169
Instrument	000000001800

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Sep 14, 2018
Property Address	195 LUCAS ST, SPARTA, NC 28675-9192
Document Number	395/167
Book / Page	395 / 167
Instrument Date	Sep 14, 2018
Instrument	000000001799
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Amount	Amount Recorded
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	229 WESTVIEW DR, SPARTA, NC 28675-8211
Investor	Possibly a Property Investor

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	$1,042.00 (+0.97%)	$149,100 (-) Land $23,200 Building $125,900	$149,100 (-) Land $23,200 Building $125,900
2025	$1,032.00
2023		$149,100 Land $23,200 Building $125,900	$149,100 Land $23,200 Building $125,900

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 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.06% 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 54 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

Nearby Properties on Lucas St

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