676 Laurel Knob Rd, Todd, NC 28684 Property Records

Ashe County property record for 676 Laurel Knob Rd, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	912 sqft · built 1976
Lot Size	1.21 acres (52,882 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Apr 2024)
Tax Bill	$825 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04159-075`

Property Details

APN / Parcel Number

Primary APN	`04159-075`
Alternative APNs	`108842` `116614`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	912 sqft Heated Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Lot Area	52,882 sqft (1.21 acres)

Location & Zoning

Account Number	116614
Street Address	676 LAUREL KNOB RD
City	TODD
State	NC
Zip	28684-9465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.214 A FROM J O LAIL RT 1113 (DIRT) ADJ TOM WILCO
Jurisdiction	ASHE NC
Township / Civil Division	ELK
Census Block Group	4
Census Block	4017
Census Tract	970701

Owner

Source: Ashe County records · APN 04159-075

Assessment roll updated 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	2 Individual Names on File
Mailing Address	676 LAUREL KNOB RD, TODD, NC 28684-9465
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK/PINCKNEYVILLE
Apr 22, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Sep 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LIFESTORE BANK
Mar 01, 2019	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FEDERAL CREDIT UNTION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2024 · Amount on Record
Deed Sale	Apr 22, 2024 · Amount on Record
Prior Sale	Mar 01, 2019 · Amount on Record
Deed Document Number	20241660
Deed Book / Page	562 / 637
Prior Transfer Date	Sep 21, 2021
Prior Transfer Doc	00532/1850
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Recording Date	May 14, 2026
Property Address	676 LAUREL KNOB RD, TODD, NC 28684-9465
Document Number	00584/2095
Book / Page	584 / 2095
Instrument Date	May 07, 2026
Instrument	20262155
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 LAUREL KNOB RD, TODD, NC 28684-9465

Mortgage

Document Number	0000002155,
Date	May 14, 2026
Book Page	584/2095
Instrument	20262155

Lender

Name	FIRST NATIONAL BANK/PINCKNEYVILLE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 07, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	676 LAUREL KNOB RD, TODD, NC 28684-9465
Transaction Type	Mortgage
Record Updated	May 09, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	573 PREACHER BLACKBURN RD, TODD, NC 28684-9315

Mortgage

Document Number	000562/640
Date	Apr 22, 2024
Book Page	562/640
Instrument	1661

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	601 OFFICE CENTER DR STE 100, FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ASHE NC
Recording Date	Sep 27, 2021
Property Address	676 LAUREL KNOB RD, TODD, NC 28684-9465
Document Number	00532/1850
Book / Page	532 / 1850
Instrument Date	Sep 21, 2021
Instrument	5746
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 LAUREL KNOB RD, TODD, NC 28684-9465

Mortgage

Document Number	0000005747
Date	Sep 27, 2021
Instrument	5747

Lender

Name	LIFESTORE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2041

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Mar 01, 2019
Property Address	676 LAUREL KNOB RD, TODD, NC 28684-9465
Document Number	00498/1625
Book / Page	498 / 1625
Instrument Date	Mar 01, 2019
Instrument	843
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 LAUREL KNOB RD, TODD, NC 28684-9465

Mortgage

Document Number	00498/1628
Date	Mar 01, 2019
Book Page	498/1628
Instrument	844

Lender

Name	LOCAL GOVERNMENT FEDERAL CREDIT UNTION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Mar 14, 2024
Index	5-Year CMT

Tax Assessment & Valuation

Source: Ashe County records · Assessment roll updated 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	$825.00 (+3.9%)	$154,500 (-) Land $18,200 Building $136,300	$154,500 (-) Land $18,200 Building $136,300
2023	$794.00 (+10.74%)	$154,500 (+60.6%) Land $18,200 Building $136,300	$154,500 (+60.6%) Land $18,200 Building $136,300
2022	$717.00	$96,200 Land $15,000 Building $81,200	$96,200 Land $15,000 Building $81,200

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 370099707014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels 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	8 in force
Nearby Flood Claims	11 (2024)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 11 claims

Wildfire

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 · sampled at 13 locations within half a mile · Last verified October 2026

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

Cell Coverage

5G (outdoors only) and 4G LTE

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