405 Bear Den Ln, Sparta, NC 28675 Property Records

Alleghany County property record for 405 Bear Den Ln, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,265 sqft · built 2006
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jan 2020)
Tax Bill	$1,609 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3033714941`

Property Details

APN / Parcel Number

Primary APN	`3033714941`
Alternative APN	`79664`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,265 sqft Living Area
1st Floor Area	1,456 sqft
Attic	Attic
Attic Area	754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Cape Cod
Exterior Material	Other
Foundation Type	No Foundation
Lot Area	33,977 sqft (0.78 acres)
Porch	Slab
Porch Area	1,536 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	79664
Street Address	405 BEAR DEN RD
City	SPARTA
State	NC
Zip	28675-8970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	#16 BEAR CREEK
Legal Subdivision	BEAR CREEK
Legal Block	136
Legal Lot Number	16
Jurisdiction	ALLEGHANY NC
Township / Civil Division	PINEY CREEK
Census Block Group	1
Census Block	1020
Census Tract	950300

Owner

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	2 Individual Names on Record
Mailing Address	405 BEAR DEN RD, SPARTA, NC 28675-8970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 29, 2018	Deed of Trust, Mortgage BRANCH BANKING & TRUST CO
Jan 27, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage ATLANTIC BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Prior Sale	Sep 21, 2012 · Amount on Record
Deed Document Number	2020148
Deed Book / Page	405 / 560
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	405 BEAR DEN LN, SPARTA, NC 28675-8970
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00438/1017
Date	Aug 17, 2023
Book Page	438/1017
Instrument	1760

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	405 BEAR DEN LN, SPARTA, NC 28675-8970
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000396/0000000173
Date	Oct 29, 2018
Book Page	0000000396/0000000173
Instrument	000000002146

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Jan 27, 2020
Property Address	405 BEAR DEN LN, SPARTA, NC 28675-8970
Document Number	000405/560
Book / Page	405 / 560
Instrument Date	Jan 23, 2020
Instrument	148
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
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	405 BEAR DEN LN, SPARTA, NC 28675-8970

Mortgage

Document Number	000405/562
Date	Jan 27, 2020
Book Page	405/562
Instrument	149

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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	$1,609.00 (+0.56%)	$227,400 (-) Land $48,300 Building $179,100	$227,400 (-) Land $48,300 Building $179,100
2025	$1,600.00
2023		$227,400 Land $48,300 Building $179,100	$227,400 Land $48,300 Building $179,100

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
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	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

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.

Internet Providers

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

Cell Coverage

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

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