328 Flat Rock Acres, Crumpler, NC 28617 Property Records

Ashe County property record for 328 Flat Rock Acres, Crumpler, NC 28617

Property Summary

Property Type	Single Family Home
Details	2,328 sqft · built 1995
Lot Size	0.943 acres (41,077 sqft)
Owner	Individual Name on File
Last Sale	$218,000 (Mar 2018)
Tax Bill	$1,819 (2026)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09298-271-008`

Property Details

APN / Parcel Number

Primary APN	`09298-271-008`
Alternative APNs	`092989735556` `110143`

Interior

Plumbing Fixtures	9 Plumbing Fixtures
Building Area	2,328 sqft Heated Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Rustic
Lot Area	41,077 sqft (0.943 acres)

Location & Zoning

Account Number	110143
Old Parcel Number	09298271008
Street Address	328 FLAT ROCK ACRES
City	CRUMPLER
State	NC
Zip	28617-9477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 (.943 A) FROM ROBERT O JONES OFF RT 1576 (DI
Legal Subdivision	FLAT ROCK SUBDIVISION
Legal Lot Number	8
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3004
Census Tract	970502

Owner

328 Flat Rock Acres is owned and occupied by an individual who acquired it in July 2021.

Source: Ashe County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION
Sep 13, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Aug 23, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 29, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2018 · Amount on File
Deed Sale	Mar 29, 2018 · Amount on File
Prior Sale	Jul 11, 2005 · Amount on File
Deed Document Number	20181430
Deed Book / Page	489 / 2003
Last Transfer Date	Jul 14, 2021
Transfer Doc	00529/2198
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000494/0000001557
Date	Sep 13, 2018
Book Page	0000000494/0000001557
Instrument	000000004130

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Aug 20, 2023
Index	5-Year CMT

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000494/0000001576
Date	Sep 13, 2018
Book Page	0000000494/0000001576
Instrument	000000004131

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000531/814
Date	Aug 23, 2021
Book Page	531/814
Instrument	4942

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ASHE NC
Recording Date	Jul 20, 2021
Property Address	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477
Document Number	00529/2198
Book / Page	529 / 2198
Map Reference	MB 5 PG 42
Instrument Date	Jul 14, 2021
Instrument	4195
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
Address	10175 US HIGHWAY 221 N, LAUREL SPRINGS, NC 28644-8589

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477

Mortgage

Document Number	0000004196
Date	Jul 20, 2021
Instrument	4196

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Mar 29, 2018
Property Address	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477
Document Number	00489/2003
Book / Page	489 / 2003
Instrument Date	Mar 28, 2018
Instrument	000000001430
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount on Record
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	328 FLAT ROCK ACRES, CRUMPLER, NC 28617-9477

Mortgage

Document Number	0000000489/0000002005
Date	Mar 29, 2018
Book Page	0000000489/0000002005
Instrument	000000001431

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	May 1, 2023
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 328 Flat Rock Acres was $1,819.

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	$1,819.00	$361,800 (-) Land $20,000 Building $341,800	$361,800 (-) Land $20,000 Building $341,800
2025	$1,819.00	$361,800 Land $20,000 Building $341,800	$361,800 Land $20,000 Building $341,800
2023	$1,711.00 (+30.41%)	$361,800 (+67.81%) Land $20,000 Building $341,800	$361,800 (+67.81%) Land $20,000 Building $341,800
2022	$1,312.00	$215,600 Land $25,000 Building $190,600	$215,600 Land $25,000 Building $190,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 328 Flat Rock Acres in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective June 2, 2017 · 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	4 in force
Nearby Flood Claims	4 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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

Wildfire risk around 328 Flat Rock Acres is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Optimum Cable	940 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Flat Rock Acres

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