6975 Railroad Grade Rd, Todd, NC 28684 Property Records

Ashe County property record for 6975 Railroad Grade Rd, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	1,500 sqft · built 2006
Lot Size	0.871 acres (37,941 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jul 2021)
Tax Bill	$1,506 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage May 2019 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`04163-054`

Property Details

APN / Parcel Number

Primary APN	`04163-054`
Alternative APNs	`042943606342` `108398`

Interior

Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,500 sqft Heated Area
Gross Area	2,862 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Lot Area	37,941 sqft (0.871 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	108398
Old Parcel Number	04163054
Street Address	6975 RAILROAD GRADE RD
City	TODD
State	NC
Zip	28684-9102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.871 A
Legal Tract	1
Jurisdiction	ASHE NC
Township / Civil Division	ELK
Census Block Group	4
Census Block	4075
Census Tract	970701

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	17 BIRCH ST, 2403, MILFORD, MA 01757-4255
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
May 17, 2019	Warranty Deed, Transfer
Feb 22, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Feb 22, 2019 · Amount on Record
Deed Document Number	20214329
Deed Book / Page	530 / 444
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jul 26, 2021
Property Address	6975 RAILROAD GRADE RD, TODD, NC 28684-9102
Document Number	000530/444
Book / Page	530 / 444
Instrument Date	Jul 19, 2021
Instrument	4329
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	571 SILVERSTONE RD, VILAS, NC 28692-8903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2424 STANLEY AVE SE, ROANOKE, VA 24014-3330

Mortgage

Document Number	0000004330
Date	Jul 26, 2021
Instrument	4330

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	May 17, 2019
Property Address	6975 RAILROAD GRADE RD, TODD, NC 28684-9102
Document Number	00500/2111
Book / Page	500 / 2111
Instrument Date	May 15, 2019
Instrument	2115
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	571 SILVERSTONE RD, VILAS, NC 28692-8903

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Feb 22, 2019
Property Address	6975 RAILROAD GRADE RD, TODD, NC 28684-9102
Document Number	00498/1047
Book / Page	498 / 1047
Instrument Date	Feb 15, 2019
Instrument	712
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
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	571 SILVERSTONE RD, VILAS, NC 28692-8903

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	$1,506.00	$282,100 (-) Land $70,000 Building $212,100	$282,100 (-) Land $70,000 Building $212,100
2025	$1,506.00 (-33.51%)	$282,100 (-36%) Land $70,000 Building $212,100	$282,100 (-36%) Land $70,000 Building $212,100
2023	$2,265.00 (+21.84%)	$440,800 (+52.1%) Land $70,000 Building $370,800	$440,800 (+52.1%) Land $70,000 Building $370,800
2022	$1,859.00	$289,800 Land $70,000 Building $219,800	$289,800 Land $70,000 Building $219,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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 51% of the US · above 72% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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