700 Three Top Rd, Creston, NC 28615 Property Records

Ashe County property record for 700 Three Top Rd, Creston, NC 28615

Property Summary

Property Type	Single Family Home
Details	1,620 sqft · built 1979
Lot Size	1.33 acres (58,022 sqft)
Owner	Individual Name on Record
Tax Bill	$1,022 (2025)
Deeds & Mortgages	Dec 2017 Construction Loan Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03084-274`

Property Details

APN / Parcel Number

Primary APN	`03084-274`
Alternative APN	`108895`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,620 sqft Heated Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Lot Area	58,022 sqft (1.33 acres)
Garage Area	1,548 sqft

Location & Zoning

Account Number	108895
Street Address	700 THREE TOP RD
City	CRESTON
State	NC
Zip	28615-9593
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.332 AC (DB 500/531)
Jurisdiction	ASHE NC
Township / Civil Division	CRESTON
Census Block Group	2
Census Block	2030
Census Tract	970300

Owner

Source: Ashe County records, as of May 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	700 THREE TOP RD, CRESTON, NC 28615-9593
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2017	Deed of Trust, Mortgage · Construction Mortgage SKYLINE NATIONAL BANK
Apr 26, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION
Jul 21, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	700 THREE TOP RD, CRESTON, NC 28615-9593
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00486/2298
Date	Dec 8, 2017
Book Page	0486/2298
Instrument	05540

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	SPARTA, NC 28675

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 8, 2018

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	700 THREE TOP RD, CRESTON, NC 28615-9593
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000500/533
Date	Apr 26, 2019
Book Page	500/533
Instrument	1737

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	May 1, 2024
Index	Other

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	700 THREE TOP RD, CRESTON, NC 28615-9593
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00554/1179
Date	Jul 21, 2023
Book Page	554/1179
Instrument	3135

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of May 14, 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
2025	$1,022.00 (-28.08%)	$195,100 (-30.82%) Land $18,300 Building $176,800	$195,100 (-30.82%) Land $18,300 Building $176,800
2023	$1,421.00 (+23.03%)	$282,000 (+59.86%) Land $18,300 Building $263,700	$282,000 (+59.86%) Land $18,300 Building $263,700
2022	$1,155.00	$176,400 Land $16,700 Building $159,700	$176,400 Land $16,700 Building $159,700

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 June 2, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% 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 14 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 only, no 5G reported

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