560 N Main St, Sparta, NC 28675 Property Records

Alleghany County property record for 560 N Main St, Sparta, NC 28675

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,864 sqft · built 2025
Lot Size	1.06 acres (46,174 sqft)
Owner	Company Name on Record
Last Sale	$170,000 (Nov 2023)
Tax Bill	$1,406 (2026)
Deeds & Mortgages	Feb 2026 Construction Loan Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3071414334`

Property Details

APN / Parcel Number

Primary APN	`3071414334`
Alternative APNs	`75926` `83463` `84567` `4301`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,864 sqft Living Area
1st Floor Area	968 sqft
Basement Area	968 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Bungalow
Exterior Material	Brick
Lot Area	46,174 sqft (1.06 acres)

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	84567
Street Address	560 N MAIN ST
City	SPARTA
State	NC
Zip	28675-8609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	2014 COMBO - 14-050C RENTAL PROPERTY
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1046
Census Tract	950200

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	Company Name on Record
Mailing Address	35 WOODS BAY RD, BLUFFTON, SC 29910-9543
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Construction Mortgage INSULA CAPITAL GROUP LLC
Nov 9, 2023	Warranty Deed, Transfer
May 12, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2023 · Amount on Record
Deed Sale	Nov 9, 2023 · Amount on Record
Deed Document Number	20232416
Deed Book / Page	440 / 735
Prior Transfer Date	May 12, 2022
Prior Transfer Doc	000429/396
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	560 N MAIN ST, SPARTA, NC 28675-8609
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TOWNE DR PMB 266, BLUFFTON, SC 29910-4204

Mortgage

Document Number	000454/701
Date	Feb 9, 2026
Book Page	454/701
Instrument	2025002867

Lender

Name	INSULA CAPITAL GROUP LLC
Type	Non-Lending Institution
Address	645 MADISON AVE FL 19, NEW YORK, NY 10022

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Nov 9, 2023
Property Address	560 N MAIN ST, SPARTA, NC 28675-8609
Document Number	000440/735
Book / Page	440 / 735
Map Reference	MB 39 PG 359
Instrument Date	Nov 8, 2023
Instrument	2416
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount Recorded
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4925 SHAWTOWN RD, ENNICE, NC 28623-9159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 WOODS BAY RD, BLUFFTON, SC 29910-9543

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGHANY NC
Recording Date	May 12, 2022
Property Address	560 N MAIN ST, SPARTA, NC 28675-8609
Document Number	000429/396
Book / Page	429 / 396
Instrument Date	May 12, 2022
Instrument	1147
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4925 SHAWTOWN RD, 4925, ENNICE, NC 28623-9159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4925 SHAWTOWN RD, ENNICE, NC 28623-9159

Tax Assessment & Valuation

Source: Alleghany County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Alleghany County
Municipality	Sparta Town
Unified School District	Alleghany County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,406.00 (+56.74%)	$207,100 (+62.43%) Land $95,200 Building $111,900	$207,100 (+62.43%) Land $95,200 Building $111,900
2025	$897.00	$127,500 (-) Land $95,200 Building $32,300
2023		$127,500 Land $95,200 Building $32,300	$127,500 (-) Land $95,200 Building $32,300
2021			$127,500 Land $95,200 Building $32,300

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
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

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SPARTA serves 1,900 people · EPA ID NC0103010
Water Source	Purchased surface water from VIRGINIA CAROLINA WATER AUTHORITY
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	2.05 mg/L (2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2018
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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