101 Main St, Sugar Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 101 Main St, Sugar Mountain, NC 28604

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,146 sqft · built 1981
Owner	2 Company Names on File
Tax Bill	$1,399 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`69013`

Property Details

APN / Parcel Number

Primary APN	`69013`
Alternative APN	`18570040040900001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,146 sqft Heated Area
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	6 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Exterior Material	Wood Siding
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	339 sqft
Deck Area	48 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	69013
Street Address	101 MAIN ST
City	SUGAR MOUNTAIN
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LRDC BROOK HILL I UT A 0003 0009
Legal Subdivision	LRDC BROOK HILL
Jurisdiction	AVERY NC
Township / Civil Division	LINVILLE
Census Block Group	1
Census Block	1053
Census Tract	930100

Owner

Source: Avery County records · APN 69013

Assessment roll updated January 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	8664 FALCON GREEN DR, WEST PALM BEACH, FL 33412-1576
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Sep 15, 2017	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 19, 2018
Deed Sale	Jan 19, 2018
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Document Number	0000051637
Deed Book / Page	481 / 0846
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	101 MAIN ST, SUGAR MOUNTAIN, NC 28604
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007532
Date	Dec 01, 2021
Book Page	569/2422
Instrument	2021007532

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.68%
Type Change Date	Dec 01, 2031
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	7.68%
Index	1-Year T-Bill
Max Rate	7.68%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	101 MAIN ST, SUGAR MOUNTAIN, NC 28604
Document Number	0005121155
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	101 MOON RUN LINVILLE NC 286468120, LINVILLE, NC 28646-8120

Mortgage

Document Number	0005121155
Date	Sep 15, 2017
Book Page	000512/001155
Instrument	3580

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Avery County records · Assessment roll updated January 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,399.00	$349,800 (-) Building $349,800	$349,800 (-) Building $349,800
2023	$1,399.00	$349,800 (-) Building $349,800	$349,800 (-) Building $349,800
2022	$1,399.00	$349,800 Building $349,800	$349,800 Building $349,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 9, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 individual policies
Nearby Flood Policies	47 units insured incl. 4 condo units
Nearby Flood Claims	16 (1995–2024)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Hurricane Ivan, Sep 2004 · 3 claims

Wildfire

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile USA.

Based on FCC filings for 38 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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