405 Elk Summit Dr, Todd, NC 28684 Property Records

Ashe County property record for 405 Elk Summit Dr, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	3,682 sqft · built 2007
Lot Size	0.727 acres (31,668 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,191,000 (Aug 2025)
Tax Bill	$4,894 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04122-231-010`

Property Details

APN / Parcel Number

Primary APN	`04122-231-010`
Alternative APN	`97596`

Interior

Plumbing Fixtures	18 Plumbing Fixtures
Building Area	3,682 sqft Heated Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Rustic
Lot Area	31,668 sqft (0.727 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	97596
Street Address	405 ELK SUMMIT DR
City	TODD
State	NC
Zip	28684-9133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 (.727 A)
Legal Subdivision	ELK RIDGE
Legal Lot Number	10
Jurisdiction	ASHE NC
Township / Civil Division	ELK
Census Block Group	1
Census Block	1007
Census Tract	970701

Owner

Source: Ashe County records, as of May 14, 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 ELK SUMMIT DR, TODD, NC 28684-9133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
Jul 27, 2017	Warranty Deed, Transfer · Conventional Mortgage ALPHA MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2025 · Amount on Record
Deed Sale	Aug 4, 2025 · Amount on Record
Prior Sale	Jul 27, 2017 · Amount on Record
Deed Document Number	20253406
Deed Book / Page	575 / 1836
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	405 ELK SUMMIT DR, TODD, NC 28684-9133
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00534/2401
Date	Nov 16, 2021
Book Page	534/2401
Instrument	6873

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	405 ELK SUMMIT DR, TODD, NC 28684-9133
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000504/529
Date	Sep 5, 2019
Book Page	504/529
Instrument	3875

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jul 27, 2017
Property Address	405 ELK SUMMIT DR, TODD, NC 28684-9133
Document Number	00482/2182
Book / Page	0482 / 2182
Map Reference	PL 6 PG 128
Instrument Date	Jul 25, 2017
Instrument	03237
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2087 BETHESDA CHURCH RD, ORRUM, NC 28369-9765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ELK SUMMIT DR, TODD, NC 28684-9133

Mortgage

Document Number	00482/2185
Date	Jul 27, 2017
Book Page	0482/2185
Instrument	03238

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company
Address	WILMINGTON, NC 28403

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of May 14, 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
2025	$4,894.00 (+3.91%)	$916,500 (-) Land $50,000 Building $866,500	$916,500 (-) Land $50,000 Building $866,500
2023	$4,710.00 (+41.02%)	$916,500 (+69.47%) Land $50,000 Building $866,500	$916,500 (+69.47%) Land $50,000 Building $866,500
2022	$3,340.00	$540,800 Land $50,000 Building $490,800	$540,800 Land $50,000 Building $490,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.07% 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 11 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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