Alleghany County property record for 295 N Main St, Sparta, NC 28675
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 6 bd · 2.5 ba · 3,432 sqft · built 1900 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $846 (2026) |
| Deeds & Mortgages | Apr 2020 Line of Credit Jun 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3071503229 |
| Primary APN | 3071503229 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,432 sqft Living Area |
| 1st Floor Area | 1,840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Other |
| Construction Type | Frame |
| Lot Area | 19,602 sqft (0.45 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 530 sqft |
| Deck Area | 60 sqft |
| Patio Area | 8 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Canopy | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 85016 |
|---|---|
| Street Address | 295 N MAIN ST |
| City | SPARTA |
| State | NC |
| Zip | 28675-8895 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | TOWN |
| Legal Description | AN MONITOR HEAT |
| Jurisdiction | ALLEGHANY NC |
| Township / Civil Division | GAP CIVIL |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 950200 |
295 N Main St, a commercial property, is owned by two individuals who acquired it in June 2021.
Source: Alleghany County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1925, SPARTA, NC 28675-1925 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 27, 2020 | Deed of Trust, Mortgage · Line of Credit SKYLINE NATIONAL BANK |
| Jun 23, 2021 | Intrafamily Transfer, Transfer |
| Apr 9, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 21, 2021 |
| Transfer Doc | 420/74 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Property Address | 295 N MAIN ST, SPARTA, NC 28675-8895 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 407/179 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 407/179 |
| Instrument | 741 |
| Name | SKYLINE NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SPARTA, NC 28675 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 6, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Recording Date | Jun 23, 2021 |
| Property Address | 295 N MAIN ST, SPARTA, NC 28675-8895 |
| Document Number | 420/74 |
| Book / Page | 420 / 74 |
| Instrument Date | Jun 21, 2021 |
| Instrument | 1849 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1925, SPARTA, NC 28675-1925 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Recording Date | Apr 9, 2020 |
| Property Address | 295 N MAIN ST, SPARTA, NC 28675-8895 |
| Document Number | 406/1318 |
| Book / Page | 406 / 1318 |
| Instrument Date | Apr 9, 2020 |
| Instrument | 647 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1925, SPARTA, NC 28675-1925 |
The 2026 property tax bill for 295 N Main St was $846, up 2.5% from the year before.
Source: Alleghany County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Alleghany County |
| Municipality | Sparta Town |
| Unified School District | Alleghany County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $846.00 (+2.55%) | $117,800 (+1.55%) Land $50,800 Building $67,000 | $117,800 Land $50,800 Building $67,000 |
| 2025 | $825.00 | $116,000 Land $50,800 Building $65,200 | |
| 2023 | $116,000 Land $50,800 Building $65,200 | $116,000 Land $50,800 Building $65,200 | |
| 2021 | $116,000 Land $50,800 Building $65,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 295 N Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 16, 2025
| 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 risk around 295 N Main St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
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