257 Ragan Rd, Todd, NC 28684 Property Records

Watauga County property record for 257 Ragan Rd, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,344 sqft · built 1960
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Sep 2010)
Tax Bill	$613 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2924-82-4357-000`

Property Details

APN / Parcel Number

Primary APN	`2924-82-4357-000`
Alternative APN	`1768531`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Oil

Location & Zoning

Account Number	1768531
Street Address	257 RAGAN RD
City	TODD
State	NC
Zip	28684-9569
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	WATAUGA NC
Township / Civil Division	BALD MOUNTAIN
Census Block Group	2
Census Block	2000
Census Tract	920100

Owner

Source: Watauga County records, as of October 13, 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 Record
Mailing Address	257 RAGAN RD, TODD, NC 28684-9569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 7, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2010 · Amount on Record
Deed Sale	Sep 20, 2010 · Amount on Record
Prior Sale	Jun 1, 2006 · Amount on Record
Deed Document Number	201078660
Deed Book / Page	1531 / 49
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	257 RAGAN RD, TODD, NC 28684-9569
Transaction Type	Mortgage
Record Updated	Apr 22, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021190418
Date	Sep 2, 2020
Book Page	2119/418
Instrument	694621

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jul 7, 2017
Property Address	257 RAGAN RD, TODD, NC 28684-9569
Document Number	0019270085
Book / Page	1927 / 0085
Instrument Date	Jun 13, 2017
Instrument	659896
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	464 BUB TEEMS RD, BOONE, NC 28607-8547

Mortgage

Document Number	0019270089
Date	Jul 7, 2017
Book Page	1927/0089
Instrument	659897

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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		$139,900 (+8.87%) Land $18,700 Building $121,200
2025	$613.00	$128,500 (+5.24%) Land $18,700 Building $109,800
2024			$122,100 Land $18,700 Building $103,400
2023		$122,100 Land $18,700 Building $103,400

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	11 (2003–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 20 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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