100 Beechtop Rd, Banner Elk, NC 28604 Property Records

Avery County property record for 100 Beechtop Rd, Banner Elk, NC 28604

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 3 ba · 2,040 sqft · built 1983
Owner	Individual Name on File
Last Sale	$705,000 (Jun 2025)
Tax Bill	$3,521 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`75993`

Property Details

APN / Parcel Number

Primary APN	`75993`
Alternative APN	`18590508468900000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,040 sqft Heated Area
Basement Area	400 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	4 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2003
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Porch	Porch
Deck Area	322 sqft
Patio Area	322 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	75993
Street Address	100 BEECHTOP RD
City	BANNER ELK
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	BM SKILOFT 33 0005 0069
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	2
Census Block	2076
Census Tract	930100

Owner

100 Beechtop Rd, a residential property, is owned by an individual who bought it in June 2025.

Source: Avery County records, as of December 3, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9125 LAUREL SPRINGS DR, CHAPEL HILL, NC 27516-5646
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2025 · Amount on File
Deed Sale	Jun 27, 2025 · Amount on File
Prior Sale	Aug 11, 2021 · Amount on File
Deed Document Number	0000610203
Deed Book / Page	610 / 203
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Aug 11, 2021
Property Address	100 BEECHTOP RD, BANNER ELK, NC 28604
Document Number	2021004735
Book / Page	564 / 734
Map Reference	MB 18 PG 53
Instrument Date	Aug 5, 2021
Instrument	2021004735
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	350 TWIN OAKS DR, 350, SPARTANBURG, SC 29306-6644

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9125 LAUREL SPRINGS DR, CHAPEL HILL, NC 27516-5646

Mortgage

Document Number	0000564739
Date	Aug 11, 2021
Instrument	564/739

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 100 Beechtop Rd was $3,521.

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Beech Mountain Town
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,521.00	$335,400 Land $95,000 Building $240,400	$335,400 Land $95,000 Building $240,400
2023	$1,341.00 (-4.56%)	$335,400 (-) Land $95,000 Building $240,400	$335,400 (-) Land $95,000 Building $240,400
2022	$1,405.00	$335,400 Land $95,000 Building $240,400	$335,400 Land $95,000 Building $240,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 100 Beechtop Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective January 9, 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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	11 (1994–2024)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims Severe Storms, Flooding, High Winds, Oct 1995 · 3 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

Wildfire risk around 100 Beechtop Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% 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 BEECH MOUNTAIN serves 2,468 people · EPA ID NC0195104
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20