951 Timber Lakes Dr, Todd, NC 28684 Property Records

Watauga County property record for 951 Timber Lakes Dr, Todd, NC 28684

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,410 sqft · built 1975
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Tax Bill	$653 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2924-52-4293-000`

Property Details

APN / Parcel Number

Primary APN	`2924-52-4293-000`
Alternative APN	`1638542`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,410 sqft Living Area
1st Floor Area	630 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Metal
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Carport
Garage Area	500 sqft
Carport	Carport
Carport Area	500 sqft
Porch	Porch
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1638542
Street Address	951 TIMBER LAKES DR
City	TODD
State	NC
Zip	28684-9511
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	WATAUGA NC
Township / Civil Division	BALD MOUNTAIN
Census Block Group	2
Census Block	2000
Census Tract	920100

Owner

Source: Watauga County records, as of October 13, 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	951 TIMBER LAKES DR, TODD, NC 28684-9511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
May 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 7, 2022
Transfer Doc	0000724228
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	951 TIMBER LAKES DR, TODD, NC 28684-9511
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022330011
Date	Nov 2, 2021
Book Page	2233/11
Instrument	713296

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	951 TIMBER LAKES DR, TODD, NC 28684-9511
Document Number	0020960765
Instrument Date	May 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	951 TIMBER LAKES DR TODD NC 286849511, TODD, NC 28684-9511

Mortgage

Document Number	0020960765
Date	Jun 5, 2020
Book Page	002096/000765
Instrument	690888

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 4, 2040

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$138,800 (-) Land $16,600 Building $122,200
2025	$653.00	$138,800 (-) Land $16,600 Building $122,200
2024			$138,800 Land $16,600 Building $122,200
2023		$138,800 Land $16,600 Building $122,200

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 May 17, 2024 · 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 Record median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	11 (2003–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 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 40% of the US · above 58% 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 25 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 (outdoors only), no 5G reported

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