Alleghany County property record for 97 Center St, Sparta, NC 28675
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1.5 ba · 1,512 sqft · built 1970 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $61,500 (May 2007) |
| Tax Bill | $849 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3070295765 |
| Primary APN | 3070295765 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 174 sqft |
| Deck Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 79220 |
|---|---|
| Street Address | 97 CENTER ST |
| City | SPARTA |
| State | NC |
| Zip | 28675-8420 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TOWN |
| Legal Description | 127-131 RIDGECREST |
| Legal Subdivision | RIDGECREST ESTATES |
| Legal Block | 114 |
| Jurisdiction | ALLEGHANY NC |
| Township / Civil Division | GAP CIVIL |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 950200 |
97 Center St, a duplex, is owned and occupied by an individual who bought it in May 2007.
Source: Alleghany County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97 CENTER ST, SPARTA, NC 28675-8420 |
| 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.
| Date | Document |
|---|---|
| Dec 5, 2025 | Deed of Trust, Mortgage · VA Mortgage MID-CONTINENT FUNDING INC |
| Jul 31, 2019 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION |
| May 1, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2007 · Amount on File |
| Deed Sale | May 30, 2007 · Amount on File |
| Prior Sale | Jan 30, 2007 · Amount on File |
| Deed Document Number | 20071711 |
| Deed Book / Page | 307 / 119 |
| Prior Transfer Date | May 10, 2007 |
| Prior Transfer Doc | 00307/0118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Property Address | 97 CENTER ST, SPARTA, NC 28675-8420 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00453/1565 |
|---|---|
| Date | Dec 5, 2025 |
| Book Page | 453/1565 |
| Instrument | 2025002466 |
| Name | MID-CONTINENT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | 3400 W BROADWAY BUSINESS PARK CT STE 106, COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Recording Date | Jul 31, 2019 |
| Property Address | 97 CENTER ST, SPARTA, NC 28675-8420 |
| Document Number | 000401/953 |
| Book / Page | 401 / 953 |
| Instrument Date | Jul 29, 2019 |
| Instrument | 1575 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 CENTER ST, SPARTA, NC 28675-8420 |
| Document Number | 000401/955 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 401/955 |
| Instrument | 1576 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.8% |
| Type Change Date | Aug 1, 2024 |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGHANY NC |
| Recording Date | May 1, 2018 |
| Property Address | 97 CENTER ST, SPARTA, NC 28675-8420 |
| Document Number | 0000392/87 |
| Book / Page | 392 / 87 |
| Instrument Date | Apr 24, 2018 |
| Instrument | 000000000675 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5033 FLAMINGO LN, RIDGE MANOR, FL 33523-8840 |
The 2026 property tax bill for 97 Center St was $849, up 1.2% from the year before.
Source: Alleghany County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Alleghany County |
| Municipality | Sparta Town |
| Unified School District | Alleghany County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $849.00 (+1.19%) | $118,200 (-) Land $24,700 Building $93,500 | $118,200 Land $24,700 Building $93,500 |
| 2025 | $839.00 | $118,200 Land $24,700 Building $93,500 | |
| 2023 | $118,200 Land $24,700 Building $93,500 | $118,200 Land $24,700 Building $93,500 | |
| 2021 | $118,200 Land $24,700 Building $93,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 Center St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 16, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 97 Center St is low, with a 0.04% annual chance of 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 | 0.04% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
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