78 Joines St, Sparta, NC 28675 Property Records

Alleghany County property record for 78 Joines St, Sparta, NC 28675

Property Summary

Property Type	Mobile Home
Details	2 bd · 3 ba · 2,016 sqft · built 1999
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (May 2018)
Tax Bill	$806 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3071717228`

Property Details

APN / Parcel Number

Primary APN	`3071717228`
Alternative APN	`78601`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Manufactured
Lot Area	52,708 sqft (1.21 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	128 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	78601
Street Address	78 JOINES ST
City	SPARTA
State	NC
Zip	28675-9187
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	TOWN
Jurisdiction	ALLEGHANY NC
Township / Civil Division	GAP CIVIL
Census Block Group	1
Census Block	1024
Census Tract	950200

Owner

Source: Alleghany County records, as of August 18, 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	78 JOINES ST, SPARTA, NC 28675-9187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · FHA Mortgage TRUST BANK
May 22, 2018	Warranty Deed, Transfer · USDA Mortgage USDA
Mar 21, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Prior Sale	Mar 21, 2017 · Amount on Record
Deed Document Number	2018857
Deed Book / Page	392 / 689
Prior Transfer Date	Feb 9, 2006
Prior Transfer Doc	00290/0959
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHANY NC
Recording Date	Jun 12, 2026
Property Address	78 JOINES ST, SPARTA, NC 28675-9187
Document Number	0000003758
Book / Page	455 / 2445
Instrument Date	Jun 8, 2026
Instrument	20263758
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 JOINES ST, SPARTA, NC 28675-9187

Mortgage

Document Number	0000003758,
Date	Jun 12, 2026
Book Page	455/2445
Instrument	20263758

Lender

Name	TRUST BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	May 22, 2018
Property Address	78 JOINES ST, SPARTA, NC 28675-9187
Document Number	000392/689
Book / Page	392 / 689
Instrument Date	May 18, 2018
Instrument	000000000857
Transaction Type	Transfer
Record Updated	Jul 28, 2022

Transaction

Amount	Amount Recorded
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	78 JOINES ST, SPARTA, NC 28675-9187

Mortgage

Document Number	0000000392/0000000693
Date	May 22, 2018
Book Page	0000000392/0000000693
Instrument	000000000858

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	392 Months
Due	Jan 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGHANY NC
Recording Date	Mar 21, 2017
Property Address	78 JOINES ST, SPARTA, NC 28675-9187
Document Number	00384/0616
Book / Page	384 / 0616
Map Reference	MB 380 PG 1197
Instrument Date	Mar 15, 2017
Instrument	00499
Transaction Type	Transfer
Record Updated	Jul 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8480 STAGECOACH CIR, 8480, FREDERICK, MD 21701-4747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 JOINES ST, SPARTA, NC 28675-9187

Mortgage

Document Number	00384/0619
Date	Mar 21, 2017
Book Page	384/0619
Instrument	00500

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 21, 2022
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Alleghany County assessment roll, as of August 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$130,900 (+15.84%) Land $30,400 Building $100,500	$130,900 (+15.84%) Land $30,400 Building $100,500
2025	$806.00	$113,000 (-) Land $30,400 Building $82,600
2023		$113,000 Land $30,400 Building $82,600	$113,000 (-) Land $30,400 Building $82,600
2021			$113,000 Land $30,400 Building $82,600

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2018–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 65% of the US · above 48% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SPARTA serves 1,900 people · EPA ID NC0103010
Water Source	Purchased surface water from VIRGINIA CAROLINA WATER AUTHORITY
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	2.05 mg/L (2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2018
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 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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