314 Ward Circle Dr, Sparta, NC 28675 Property Records

Alleghany County property record for 314 Ward Circle Dr, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,104 sqft · built 1984
Lot Size	1.29 acres (56,192 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (May 2016)
Tax Bill	$515 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3997798928`

Property Details

APN / Parcel Number

Primary APN	`3997798928`
Alternative APNs	`83064` `2608`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	816 sqft
Attic	Attic
Attic Area	480 sqft
Utility Area	140 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Cottage
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Lot Area	56,192 sqft (1.29 acres)

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	206 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	83064
Street Address	314 WARD CIRCLE DR
City	SPARTA
State	NC
Zip	28675-8747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	#19 RICH MTN ACRES
Legal Subdivision	RICH HILL MOUNTAIN ACRES
Legal Lot Number	19
Jurisdiction	ALLEGHANY NC
Township / Civil Division	CHERRY LANE
Census Block Group	4
Census Block	4036
Census Tract	950100

Owner

Source: Alleghany County records, as of October 15, 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	314 WARD CIRCLE DR, SPARTA, NC 28675-8747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Jun 23, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 9, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2016 · Amount on Record
Deed Sale	May 27, 2016 · Amount on Record
Deed Document Number	2016975
Deed Book / Page	378 / 926
Last Transfer Date	Jun 23, 2023
Transfer Doc	000437/624
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Recording Date	Sep 22, 2026
Property Address	314 WARD CIRCLE DR, SPARTA, NC 28675-8747
Document Number	0000004523
Book / Page	457 / 1233
Instrument Date	Sep 21, 2026
Instrument	20264523
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	SUMMIT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 WARD CIRCLE DR, SPARTA, NC 28675-8747

Mortgage

Document Number	0000004523,
Date	Sep 22, 2026
Book Page	457/1233
Instrument	20264523

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	947 Months
Due	Aug 8, 2105

Interest

Max Rate	-1%

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Jun 23, 2023
Property Address	314 WARD CIRCLE DR, SPARTA, NC 28675-8747
Document Number	000437/624
Book / Page	437 / 624
Map Reference	MB 4 PG 106
Instrument Date	Jun 23, 2023
Instrument	1304
Transaction Type	Transfer
Record Updated	Jul 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 WARD CIRCLE DR, SPARTA, NC 28675-8747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 WARD CIRCLE DR, SPARTA, NC 28675-8747

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	314 WARD CIRCLE DR, SPARTA, NC 28675-8747
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 WARD CIRCLE DR, SPARTA, NC 28675-8747

Mortgage

Document Number	000415/748
Date	Feb 9, 2021
Book Page	415/748
Instrument	322

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.29%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Index	1-Year CMT

Tax Assessment & Valuation

Source: Alleghany County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Alleghany County
Unified School District	Alleghany County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$515.00 (+1.98%) Senior Citizen's exemption	$127,800 (-) Land $41,200 Building $86,600	$127,800 (-) Land $41,200 Building $86,600
2025	$505.00 Senior Citizen's exemption	$127,800 (-) Land $41,200 Building $86,600
2023		$127,800 Land $41,200 Building $86,600	$127,800 (-) Land $41,200 Building $86,600
2021			$127,800 Land $41,200 Building $86,600

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	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2018 · rainfall accumulation

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	Direct burnable vegetation

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 32 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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