Watauga County property record for 306 Ragan Rd, Todd, NC 28684 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Architecture Style | Rustic |
| Year Built | Built 2005 |
| Square Footage | 1,320 sqft Living Area |
| Lot Size | 77,101 sqft (1.77 acres) |
| Last Sale | $460,000 (2024) |
| Tax Bill | $1,061.00 (2025) |
| Primary APN | 2924-82-3521-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Building Area | 1,320 sqft Living Area |
| 1st Floor | 660 sqft 1st Floor |
| Basement Area | 660 sqft Basement |
| Finished Basement | 660 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Rustic Style |
| Exterior Material | Logs Exterior |
| Roof Material | Asphalt Roof |
| Lot Area | 77,101 sqft (1.77 acres) |
| Patio Area | 32 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 448 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 1862320 |
|---|---|
| Street Address | 306 RAGAN RD |
| City | TODD |
| State | NC |
| Zip | 28684-9570 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CREEK CROSSING |
| Legal Subdivision | CREEK |
| Jurisdiction | WATAUGA NC |
| Minor Civil Division | BALD MOUNTAIN |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 920100 |
Source: Watauga County records · APN 2924-82-3521-000
Assessment roll updated December 2, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16168 133RD DR N, JUPITER, FL 33478-6549 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Dec 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 19, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 06, 2024 · Amount on Record |
| Deed Sale | Sep 06, 2024 · Amount on Record |
| Prior Sale | Nov 15, 2006 · Amount on Record |
| Deed Doc Number | 2024743908 |
| Deed Book / Page | 2400 / 511 |
| Prior Transfer Date | Sep 08, 2022 |
| Prior Transfer Doc | 0000724229 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 306 RAGAN RD, TODD, NC 28684-9570 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0021820228 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 2182/228 |
| Instrument | 704881 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.12% |
| Type Change Date | May 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.12% |
| Index | Other |
| Max Rate | 7.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 306 RAGAN RD, TODD, NC 28684-9570 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0020680275 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 2068/0275 |
| Instrument | 686042 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Apr 19, 2017 |
| Property Address | 306 RAGAN RD, TODD, NC 28684-9570 |
| Document Number | 0019140392 |
| Book / Page | 001914 / 000392 |
| Instrument Date | Apr 13, 2017 |
| Instrument | 657472 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $650.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2 LAKE SHORE CT PINEHURST NC 283748898, PINEHURST, NC 28374-8898 |
Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,061.00 (+36.9%) | $243,800 (-) Land $29,600 Building $214,200 | |
| 2024 | $775.00 | $243,800 Land $29,600 Building $214,200 | |
| 2023 | $243,800 Land $29,600 Building $214,200 |
306 Ragan Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Watauga County (37189C), updated May 17, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 40th percentile of exposed land nationally · 58th in North Carolina |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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