3587 Nile Rd, Sparta, NC 28675 Property Records

Alleghany County property record for 3587 Nile Rd, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,912 sqft · built 2004
Lot Size	7.11 acres (309,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,818 (2026)
Deeds & Mortgages	Mar 2017 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3082290404`

Property Details

APN / Parcel Number

Primary APN	`3082290404`
Alternative APN	`81026`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,912 sqft Living Area
1st Floor Area	1,408 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	309,712 sqft (7.11 acres)

Exterior Amenities

Porch	Slab
Porch Area	720 sqft
Deck Area	280 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	81026
Street Address	3587 NILE RD
City	SPARTA
State	NC
Zip	28675-9029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT #2 PB 12 PG 71
Legal Tract	2
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1000
Census Tract	950200

Owner

3587 Nile Rd is owned and occupied by two individuals.

Source: Alleghany County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3587 NILE RD, SPARTA, NC 28675-9029
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
Mar 6, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	3587 NILE RD, SPARTA, NC 28675-9029
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00384/0133
Date	Mar 6, 2017
Book Page	384/0133
Instrument	00389

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 6, 2022
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	May 7, 2021
Property Address	3587 NILE RD, SPARTA, NC 28675-9029
Document Number	000418/879
Book / Page	418 / 879
Map Reference	MB 12 PG 71
Instrument Date	May 7, 2021
Instrument	1345
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1501 WINDY GAP RD, N WILKESBORO, NC 28659-7529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 QUEENS COVE RD, MOORESVILLE, NC 28117-9609

Mortgage

Document Number	0000001346
Date	May 7, 2021
Instrument	1346

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 3587 Nile Rd was $2,818, up 0.4% from the year before.

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	$2,818.00 (+0.36%)	$432,300 Land $104,700 Building $327,600	$432,300 Land $104,700 Building $327,600
2025	$2,808.00
2023		$432,300 Land $104,700 Building $327,600	$432,300 Land $104,700 Building $327,600

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

Flood

FEMA maps place 3587 Nile Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2018.

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	3 in force
Nearby Flood Claims	3 (2018–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 3587 Nile Rd is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% 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 6 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

Nearby Properties on Nile Rd

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