651 Flat Rock Rd, Crumpler, NC 28617 Property Records

Ashe County property record for 651 Flat Rock Rd, Crumpler, NC 28617

Property Summary

Property Type	Manufactured or Modular Home
Details	1,638 sqft · built 2003
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,453 (2026)
Deeds & Mortgages	Jul 2019 Refinance Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09298-393`

Property Details

APN / Parcel Number

Primary APN	`09298-393`
Alternative APNs	`092989833096` `98786`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,638 sqft Heated Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Modular
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	98786
Old Parcel Number	09298393
Street Address	651 FLAT ROCK RD
City	CRUMPLER
State	NC
Zip	28617-9674
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	.5 A FROM BILLY JENKINS RT 1576 (DIRT)
Legal Subdivision	ROCK ACRES PHASE 2
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3004
Census Tract	970502

Owner

Source: Ashe County records, as of September 3, 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	651 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION
Jul 30, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION
Oct 13, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	651 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00502/2085
Date	Jul 30, 2019
Book Page	502/2085
Instrument	3211

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	651 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00502/2068
Date	Jul 30, 2019
Book Page	502/2068
Instrument	3210

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	3.3%
Type Change Date	Aug 1, 2024
Index	1-Year CMT

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	651 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00533/1308
Date	Oct 13, 2021
Book Page	533/1308
Instrument	6138

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	651 FLAT ROCK RD, CRUMPLER, NC 28617-9674
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00533/1292
Date	Oct 13, 2021
Book Page	533/1292
Instrument	6137

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of September 3, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,453.00	$289,000 (-) Land $11,300 Building $277,700	$289,000 (-) Land $11,300 Building $277,700
2025	$1,453.00 (+6.37%)	$289,000 (-) Land $11,300 Building $277,700	$289,000 (-) Land $11,300 Building $277,700
2023	$1,366.00 (+24.18%)	$289,000 (+63.83%) Land $11,300 Building $277,700	$289,000 (+63.83%) Land $11,300 Building $277,700
2022	$1,100.00	$176,400 Land $11,300 Building $165,100	$176,400 Land $11,300 Building $165,100

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 June 2, 2017 · 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	4 in force
Nearby Flood Claims	4 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 34 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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