898 Three Top Rd, Creston, NC 28615 Property Records

Ashe County property record for 898 Three Top Rd, Creston, NC 28615

Property Summary

Property Type	Single Family Home
Details	1,848 sqft · built 1984
Lot Size	0.497 acres (21,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jan 2024)
Tax Bill	$546 (2026)
Deeds & Mortgages	Nov 2023 Sale & Construction Loan Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`03084-145`

Property Details

APN / Parcel Number

Primary APN	`03084-145`
Alternative APNs	`032928824262` `112409` `116141` `37669`

Interior

Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,848 sqft Heated Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Lot Area	21,649 sqft (0.497 acres)

Location & Zoning

Account Number	116141
Old Parcel Number	03084145
Street Address	898 THREE TOP RD
City	CRESTON
State	NC
Zip	28615-9448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.497 A FROM T VERNON OSBORNE & AMP; EULA RT 1100 (R
Jurisdiction	ASHE NC
Township / Civil Division	CRESTON
Census Block Group	2
Census Block	2030
Census Tract	970300

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	890 VIRGIL GREER RD, LANSING, NC 28643-8733
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Warranty Deed, Construction Loan · Construction Mortgage SILVER HILL FINANCIAL LLC
Jul 26, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2024 · Amount on Record
Deed Sale	Jan 25, 2024 · Amount on Record
Prior Sale	Nov 30, 2023 · Amount on Record
Deed Document Number	2024323
Deed Book / Page	560 / 103
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Nov 30, 2023
Property Address	898 THREE TOP RD, CRESTON, NC 28615-9448
Document Number	00558/1520
Book / Page	558 / 1520
Instrument Date	Nov 28, 2023
Instrument	5419
Transaction Type	Construction Loan
Record Updated	Dec 20, 2023

Transaction

Amount	Amount Recorded
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 ELLER RD, CRESTON, NC 28615-9533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 CORNERSTONE DR # 177, 177, CARY, NC 27519-8404
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005420
Date	Nov 30, 2023
Instrument	5420

Lender

Name	SILVER HILL FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jul 26, 2022
Property Address	898 THREE TOP RD, CRESTON, NC 28615-9448
Document Number	000544/616
Book / Page	544 / 616
Instrument Date	Jul 26, 2022
Instrument	4043
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Tax	$118.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 NW SCHOOL RD, WARRENSVILLE, NC 28693-9245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 ELLER RD, CRESTON, NC 28615-9533

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	$546.00	$104,200 (-) Land $7,500 Building $96,700	$104,200 (-) Land $7,500 Building $96,700
2025	$546.00 (+4%)	$104,200 (-) Land $7,500 Building $96,700	$104,200 (-) Land $7,500 Building $96,700
2023	$525.00	$104,200 Land $7,500 Building $96,700	$104,200 Land $7,500 Building $96,700

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 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.04% 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 27 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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