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616 Three Top Rd, Creston, NC 28615 Property Records

Ashe County property record for 616 Three Top Rd, Creston, NC 28615 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details1,434 sqft · built 1949
Lot Size0.4 acres (17,424 sqft)
OwnerIndividual Name on File
Last Sale$90,500 (Apr 2018)
Tax Bill$711 (2025)
Deeds & MortgagesNov 2021 Mortgage
Apr 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN03084-093

Property Details

APN / Parcel Number

Primary APN03084-093
Alternative APN
  • 102369

Interior

Plumbing Fixtures7 Plumbing Fixtures
Building Area1,434 sqft Heated Area

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1949
Architectural StyleConventional
Lot Area17,424 sqft (0.4 acres)

Location & Zoning

Account Number102369
Street Address616 THREE TOP RD
CityCRESTON
StateNC
Zip28615-9591
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description0.400 ACRES EXEMPT RT 1100 (RURAL PAVED)
JurisdictionASHE NC
Township / Civil DivisionCRESTON
Census Block Group2
Census Block2030
Census Tract970300

Owner

Source: Ashe County records · APN 03084-093

Assessment roll updated May 14, 2026 · Last verified May 2026

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

Owner of RecordIndividual Name on File
Mailing Address616 THREE TOP RD, CRESTON, NC 28615-9591
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOCAL GOVERNMENT FCU
Apr 04, 2018Warranty Deed, Transfer
FIDELITY BANK & TRUST

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 04, 2018 · Amount on Record
Deed SaleApr 04, 2018 · Amount on Record
Deed Document Number20181523
Deed Book / Page489 / 2398
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionASHE NC
Property Address616 THREE TOP RD, CRESTON, NC 28615-9591
Transaction TypeMortgage
Record UpdatedAug 22, 2023
Title CompanyACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number000535/759
DateNov 24, 2021
Book Page535/759
Instrument7078
Lender
NameLOCAL GOVERNMENT FCU
TypeCredit Union
AddressRALEIGH, NC 27611
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionASHE NC
Recording DateApr 04, 2018
Property Address616 THREE TOP RD, CRESTON, NC 28615-9591
Document Number00489/2398
Book / Page489 / 2398
Instrument DateApr 03, 2018
Instrument000000001523
Transaction TypeTransfer
Record UpdatedAug 22, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address620 ROCKY GAP RD, WEST JEFFERSON, NC 28694-7009

Mortgage

Document Number0000000489/0000002413
DateApr 04, 2018
Book Page0000000489/0000002413
Instrument000000001524
Lender
NameFIDELITY BANK & TRUST
TypeBank
Agreement
AmountAmount Recorded
Term357 Months
DueJan 01, 2048

Tax Assessment & Valuation

Source: Ashe County records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyAshe County
Unified School DistrictAshe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$711.00 (-16.25%)$135,800 (-19.41%) Land $9,900 Building $125,900$135,800 (-19.41%) Land $9,900 Building $125,900
2023$849.00 (+11.86%)$168,500 (+57.62%) Land $9,900 Building $158,600$168,500 (+57.62%) Land $9,900 Building $158,600
2022$759.00$106,900 Land $12,000 Building $94,900$106,900 Land $12,000 Building $94,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ashe County (37009C), updated June 2, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370099703002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2024)
Most Recent ClaimSep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm
  • Tropical Storm Helene, Sep 2024 · 2 claims

Wildfire

Wildfire RiskLow
above 34% of the US · above 48% of North Carolina
Wildfire LikelihoodAbout 1 in 2,381 per year
ExposureDirect
burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Loretto Telephone CompanyFiber2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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