495 Betsy Cir, Todd, NC 28684 Property Records

Watauga County property record for 495 Betsy Cir, Todd, NC 28684

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,248 sqft · built 1996
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Apr 2026)
Tax Bill	$731 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2933-03-1094-000`

Property Details

APN / Parcel Number

Primary APN	`2933-03-1094-000`
Alternative APNs	`1791684` `1849076`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Carport
Garage Area	1,000 sqft
Carport	Carport
Carport Area	1,000 sqft
Porch	Porch
Porch Area	324 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	1849076
Street Address	495 BETSY CIR
City	TODD
State	NC
Zip	28684-9769
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 23 CHINQUAPIN HEIGHTS
Legal Subdivision	CHINQUAPIN HEIGHTS
Legal Lot Number	23
Jurisdiction	WATAUGA NC
Township / Civil Division	BALD MOUNTAIN
Census Block Group	1
Census Block	1002
Census Tract	920701

Owner

Source: Watauga County records, as of October 13, 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	495 BETSY CIR, TODD, NC 28684-9769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Feb 3, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Feb 28, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Feb 3, 2022 · Amount on Record
Deed Document Number	2026759236
Deed Book / Page	2482 / 303
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Apr 24, 2026
Property Address	495 BETSY CIR, TODD, NC 28684-9769
Document Number	0000759236
Book / Page	2482 / 303
Instrument Date	Apr 24, 2026
Instrument	2026.759236
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 BETSY CIR, TODD, NC 28684-9769

Mortgage

Document Number	0000759237,
Date	Apr 24, 2026
Instrument	2026..759237

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Apr 24, 2026
Property Address	495 BETSY CIR, TODD, NC 28684-9769
Document Number	0024820303
Book / Page	2482 / 303
Instrument Date	Apr 24, 2026
Instrument	2026759236
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 BETSY CIR, TODD, NC 28684-9769

Mortgage

Document Number	0000759237,
Date	Apr 24, 2026
Instrument	2026759237

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Feb 3, 2022
Property Address	495 BETSY CIR, TODD, NC 28684-9769
Document Number	0022530713
Book / Page	2253 / 713
Map Reference	MB 5 PG 127
Instrument Date	Jan 26, 2022
Instrument	716677
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Tax	$498.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1289 COUNTY ROAD 72, 1289, MENTONE, AL 35984-6065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 BETSY CIRCLE, TODD, NC 28684

Mortgage

Document Number	0000716678
Date	Feb 3, 2022
Instrument	716678

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Mortgage

Document Number	0022540265
Date	Feb 4, 2022
Book Page	2254/265
Instrument	716762

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Feb 28, 2019
Property Address	495 BETSY CIR, TODD, NC 28684-9769
Document Number	0020150688
Book / Page	002015 / 000688
Instrument Date	Feb 28, 2019
Instrument	676735
Transaction Type	Transfer
Record Updated	Mar 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$294.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 BETSY CIR TODD NC 286849769, TODD, NC 28684-9769

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$159,000 (-) Land $19,800 Building $139,200
2025	$731.00 (+1.53%)	$159,000 (-) Land $19,800 Building $139,200
2024	$720.00		$159,000 Land $19,800 Building $139,200
2023		$159,000 Land $19,800 Building $139,200

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 May 17, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	12 (1979–2024)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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