281 Elk Summit Dr, Todd, NC 28684 Property Records

Ashe County property record for 281 Elk Summit Dr, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	3,396 sqft · built 2015
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$668,000 (Oct 2018)
Tax Bill	$5,114 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04122-231-016`

Property Details

APN / Parcel Number

Primary APN	`04122-231-016`
Alternative APNs	`042934982815` `106274`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Building Area	3,396 sqft Heated Area
Gross Area	5,043 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Lot Area	30,492 sqft (0.7 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	106274
Old Parcel Number	04122231016
Street Address	281 ELK SUMMIT DR
City	TODD
State	NC
Zip	28684-9134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 (.7 A)
Legal Subdivision	ELK RIDGE
Legal Lot Number	16
Jurisdiction	ASHE NC
Township / Civil Division	ELK
Census Block Group	1
Census Block	1007
Census Tract	970701

Owner

Source: Ashe County records, as of September 3, 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	281 ELK SUMMIT DR, TODD, NC 28684-9134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Oct 24, 2018	Warranty Deed, Transfer BRANCH BANKING & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Apr 15, 2013 · Amount on Record
Deed Document Number	20184782
Deed Book / Page	495 / 1820
Last Transfer Date	Jun 11, 2020
Transfer Doc	000513/450
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	281 ELK SUMMIT DR, TODD, NC 28684-9134
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00525/1256
Date	Apr 1, 2021
Book Page	525/1256
Instrument	1905

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ASHE NC
Recording Date	Jun 15, 2020
Property Address	281 ELK SUMMIT DR, TODD, NC 28684-9134
Document Number	000513/450
Book / Page	513 / 450
Map Reference	MB 6 PG 128
Instrument Date	Jun 11, 2020
Instrument	2640
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 ELK SUMMIT DR, TODD, NC 28684-9134

Mortgage

Document Number	0000002641
Date	Jun 15, 2020
Instrument	2641

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Oct 24, 2018
Property Address	281 ELK SUMMIT DR, TODD, NC 28684-9134
Document Number	00495/1820
Book / Page	495 / 1820
Instrument Date	Oct 10, 2018
Instrument	000000004782
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	1114 E POWERSVILLE RD, LUMBERTON, NC 28358-0139

Mortgage

Document Number	0000000495/0000001824
Date	Oct 24, 2018
Book Page	0000000495/0000001824
Instrument	000000004783

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	171 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of September 3, 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
2026	$5,114.00	$957,700 (-) Land $40,000 Building $917,700	$957,700 (-) Land $40,000 Building $917,700
2025	$5,114.00 (+3.9%)	$957,700 (-) Land $40,000 Building $917,700	$957,700 (-) Land $40,000 Building $917,700
2023	$4,922.00 (+30.7%)	$957,700 (+56.26%) Land $40,000 Building $917,700	$957,700 (+56.26%) Land $40,000 Building $917,700
2022	$3,766.00	$612,900 Land $40,000 Building $572,900	$612,900 Land $40,000 Building $572,900

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 June 2, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.07% 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 11 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

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