Alleghany County property record for 88 Mount Carmel Rd, Sparta, NC 28675
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,374 sqft · built 1956 |
| Lot Size | 4.94 acres (215,186 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,828 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3042478258 |
| Primary APN | 3042478258 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,374 sqft Living Area |
| 1st Floor Area | 2,374 sqft |
| Basement Area | 2,374 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 215,186 sqft (4.94 acres) |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 189 sqft |
| Patio Area | 504 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 11151 |
|---|---|
| Street Address | 88 MOUNT CARMEL RD |
| City | SPARTA |
| State | NC |
| Zip | 28675-9196 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | F1 |
| Jurisdiction | ALLEGHANY NC |
| Township / Civil Division | PINEY CREEK |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 950300 |
88 Mount Carmel Rd is owned and occupied by two individuals.
Source: Alleghany County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 88 MOUNT CARMEL RD, SPARTA, NC 28675-9196 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Property Address | 88 MOUNT CARMEL RD, SPARTA, NC 28675-9196 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 88 MOUNT CARMEL RD, SPARTA, NC 28675-9196 |
| Document Number | 00431/1161 |
|---|---|
| Date | Sep 6, 2022 |
| Book Page | 431/1161 |
| Instrument | 2107 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 266 Months |
| Due | Nov 1, 2044 |
The 2026 property tax bill for 88 Mount Carmel Rd was $1,828, up 10.3% from the year before.
Source: Alleghany County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Alleghany County |
| Unified School District | Alleghany County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,828.00 (+10.32%) | $245,900 Land $91,800 Building $154,100 | $245,900 Land $91,800 Building $154,100 |
| 2025 | $1,657.00 | ||
| 2023 | $237,300 Land $91,800 Building $145,500 | $237,300 Land $91,800 Building $145,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 88 Mount Carmel Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.
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 |
|
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 risk around 88 Mount Carmel Rd is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · above 81% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
4G LTE only, no 5G reported
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