491 White Acres Cir, Sparta, NC 28675 Property Records

Alleghany County property record for 491 White Acres Cir, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,025 sqft · built 1979
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,320 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Jan 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3081886863`

Property Details

APN / Parcel Number

Primary APN	`3081886863`
Alternative APN	`79441`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,025 sqft Living Area
1st Floor Area	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Other
Construction Type	Frame
Lot Area	104,544 sqft (2.4 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	288 sqft
Deck Area	480 sqft
Shed	1 Shed
Shed Area	504 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	79441
Street Address	491 WHITE ACRES CIR
City	SPARTA
State	NC
Zip	28675-8760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	#11-12 WHITE PINE AC
Legal Subdivision	WHITE PINE ACRE ESTATES
Legal Block	160
Legal Lot Number	11-12
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1021
Census Tract	950200

Owner

491 White Acres Cir 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	491 WHITE ACRES CIR, SPARTA, NC 28675-8760
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
Oct 18, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit SKYLINE NATIONAL BANK
Oct 18, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	491 WHITE ACRES CIR, SPARTA, NC 28675-8760
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000403/406
Date	Oct 18, 2019
Book Page	403/406
Instrument	2190

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Nov 1, 2024
Index	5-Year CMT

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	491 WHITE ACRES CIR, SPARTA, NC 28675-8760
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000426/243
Date	Jan 13, 2022
Book Page	426/243
Instrument	87

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SPARTA, NC 28675

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	491 WHITE ACRES CIR, SPARTA, NC 28675-8760
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000426/226
Date	Jan 13, 2022
Book Page	426/226
Instrument	86

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	491 WHITE ACRES CIR, SPARTA, NC 28675-8760
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	388/0512
Date	Oct 13, 2017
Book Page	388/0512
Instrument	01956

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	INDEPENDENCE, VA 24348

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 16, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Oct 18, 2019
Property Address	491 WHITE ACRES CIR, SPARTA, NC 28675-8760
Document Number	403/403
Book / Page	403
Instrument Date	Oct 18, 2019
Instrument	2189
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 WHITE ACRES CIR, SPARTA, NC 28675-8760

Mortgage

Document Number	403/406
Date	Oct 18, 2019
Book Page	403/406
Instrument	2190

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Nov 1, 2024
Index	5-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 491 White Acres Cir was $1,320, up 0.8% 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	$1,320.00 (+0.76%)	$192,800 Land $45,600 Building $147,200	$192,800 Land $45,600 Building $147,200
2025	$1,310.00
2023		$192,800 Land $45,600 Building $147,200	$192,800 Land $45,600 Building $147,200

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

Flood

FEMA maps place 491 White Acres Cir 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 491 White Acres Cir is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.09% 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 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

Nearby Properties on White Acres Cir

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