Alleghany County property record for 394 Bear Den Ln, Sparta, NC 28675
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,440 sqft · built 2025 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $470,000 (Jan 2026) |
| Tax Bill | $2,061 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3033724117 |
| Primary APN | 3033724117 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Architectural Style | Rustic |
| Exterior Material | Other |
| Construction Type | Log |
| Lot Area | 32,670 sqft (0.75 acres) |
| Porch | Slab |
| Cooling System | Central |
|---|
| Account Number | 85513 |
|---|---|
| Street Address | 394 BEAR DEN RD |
| City | SPARTA |
| State | NC |
| Zip | 28675-9483 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | #28 BEAR CREEK |
| Legal Subdivision | BEAR CREEK |
| Legal Block | 136 |
| Legal Lot Number | 28 |
| Jurisdiction | ALLEGHANY NC |
| Township / Civil Division | PINEY CREEK |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 950300 |
Source: Alleghany County records, as of August 21, 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 | 394 BEAR DEN RD, SPARTA, NC 28675-9483 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2026 · Amount on Record |
| Deed Sale | Jan 30, 2026 · Amount on Record |
| Prior Sale | Mar 3, 2025 · Amount on Record |
| Deed Document Number | 20262800 |
| Deed Book / Page | 454 / 399 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Recording Date | Jan 30, 2026 |
| Property Address | 394 BEAR DEN LN, SPARTA, NC 28675-9483 |
| Document Number | 000454/399 |
| Book / Page | 454 / 399 |
| Map Reference | MB 9 PG 419 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 2025002800 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3087 SHAWTOWN RD, GLADE VALLEY, NC 28627-9172 |
| Name | Verified Name |
|---|---|
| Address | 394 BEAR DEN LN, SPARTA, NC 28675-9483 |
| Document Number | 000454/401 |
|---|---|
| Date | Jan 30, 2026 |
| Book Page | 454/401 |
| Instrument | 2025002801 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 25279, RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.32% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.32% |
| Max Rate At Change | 7.32% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 11.3% |
Source: Alleghany County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Alleghany County |
| Unified School District | Alleghany County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,061.00 (+1,084.48%) | $297,400 (+1,018.05%) Land $47,500 Building $249,900 | $297,400 (+1,018.05%) Land $47,500 Building $249,900 |
| 2025 | $174.00 | $26,600 (-) Land $26,600 | |
| 2023 | $26,600 Land $26,600 | $26,600 (-) Land $26,600 | |
| 2021 | $26,600 Land $26,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 6 (2003–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 80% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
4G LTE (outdoors only), no 5G reported
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