606 Flat Rock Rd, Crumpler, NC 28617 Property Records

Ashe County property record for 606 Flat Rock Rd, Crumpler, NC 28617

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1990
Lot Size	0.44 acres (18,984 sqft)
Owner	Individual Name on File
Last Sale	$139,000 (Jul 2020)
Tax Bill	$846 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09298-068-006`

Property Details

APN / Parcel Number

Primary APN	`09298-068-006`
Alternative APN	`109299`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	960 sqft Heated Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Lot Area	18,984 sqft (0.44 acres)

Location & Zoning

Account Number	109299
Street Address	606 FLAT ROCK RD
City	CRUMPLER
State	NC
Zip	28617-9674
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 ] RT 1576 (DIRT)
Legal Subdivision	FLAT ROCK SUBDIVISION
Legal Lot Number	6
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3022
Census Tract	970802

Owner

Source: Ashe County assessment roll, APN 09298-068-006, as of May 14, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	606 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 30, 2020	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Aug 09, 2012 · Amount on Record
Deed Document Number	20203505
Deed Book / Page	514 / 2314
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	606 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Transaction Type	Mortgage
Record Updated	Nov 03, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 FLAT ROCK RD, CRUMPLER, NC 28617-9674

Mortgage

Document Number	00578/1650
Date	Oct 23, 2025
Book Page	578/1650
Instrument	4952

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	3101 WAKE FOREST RD, RALEIGH, NC 27609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2030
Change Frequency	5 Years
Min Rate At Change	3.45%
Max Rate At Change	7.45%
Index	5-Year CMT
Margin	2
Max Rate	11.4%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jul 30, 2020
Property Address	606 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Document Number	00514/2314
Book / Page	514 / 2314
Map Reference	MB 4 PG 57
Instrument Date	Jul 27, 2020
Instrument	3505
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$278.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 W CANDLEWOOD LN, GILBERT, AZ 85233-6923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5218 NC HIGHWAY 88 E, JEFFERSON, NC 28640-9874

Mortgage

Document Number	0000003506
Date	Jul 30, 2020
Instrument	3506

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Aug 01, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Ashe County assessment roll as of May 14, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Ashe County
Unified School District	Ashe County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$846.00 (+6.28%)	$168,300 (-) Land $10,000 Building $158,300	$168,300 (-) Land $10,000 Building $158,300
2023	$796.00 (+12.27%)	$168,300 (+62.14%) Land $10,000 Building $158,300	$168,300 (+62.14%) Land $10,000 Building $158,300
2022	$709.00	$103,800 Land $10,000 Building $93,800	$103,800 Land $10,000 Building $93,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ashe County (37009C), as of June 2, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370099708023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, 34 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Loretto Telephone Company Fiber	2,000 / 2,000
Optimum Communications Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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