698 Shadow Ridge Ln, Sparta, NC 28675 Property Records

Alleghany County property record for 698 Shadow Ridge Ln, Sparta, NC 28675

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,127 sqft · built 1997
Lot Size	61.4 acres (2,677,633 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,316 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3062050004`

Property Details

APN / Parcel Number

Primary APN	`3062050004`
Alternative APN	`3068`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,127 sqft Living Area
1st Floor Area	2,383 sqft
Basement Area	2,383 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Brick
Lot Area	2,677,633 sqft (61.4 acres)
View / Lot	Mountain
Garage Area	1,560 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	214 sqft
Deck Area	Deck Area
Patio Area	292 sqft
Lean-To	540 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	3068
Street Address	698 SHADOW RIDGE LN
City	SPARTA
State	NC
Zip	28675
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1001
Census Tract	950300

Owner

Source: Alleghany County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1843, SPARTA, NC 28675-1843
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Line of Credit SKYLINE NATIONAL BANK
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage SKYLINE NATIONAL BANK
May 7, 2021	Deed of Trust, Mortgage · Line of Credit SKYLINE NATIONAL BANK
Jun 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage SKYLINE NATIONAL BANK

Assessor's Deed Record

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

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	698 SHADOW RIDGE LN, SPARTA, NC 28675
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 SHADOW RIDGE LN, SPARTA, NC 28675

Mortgage

Document Number	000442/451
Date	Feb 27, 2024
Book Page	442/451
Instrument	375

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	INDEPENDENCE, VA 24348

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	698 SHADOW RIDGE LN, SPARTA, NC 28675
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	418/845
Date	May 7, 2021
Book Page	418/845
Instrument	1333

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	SPARTA, NC 28675

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	698 SHADOW RIDGE LN, SPARTA, NC 28675
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1843, SPARTA, NC 28675-1843

Mortgage

Document Number	418/860
Date	May 7, 2021
Book Page	418/860
Instrument	1334

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	INDEPENDENCE, VA 24348

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Property Address	698 SHADOW RIDGE LN, SPARTA, NC 28675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0386/0153
Date	Jun 27, 2017
Book Page	0386/0153
Instrument	01133

Lender

Name	SKYLINE NATIONAL BANK
Address	SPARTA, NC 28675

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 4, 2047

Tax Assessment & Valuation

Source: Alleghany County assessment roll, as of August 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,316.00 (+0.3%)	$511,800 (-) Land $145,100 Building $366,700	$900,100 (-) Land $533,400 Building $366,700
2025	$3,306.00
2023		$511,800 Land $145,100 Building $366,700	$900,100 Land $533,400 Building $366,700

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 July 16, 2025 · 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2003–2024)
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 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.1% 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 1 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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