1028 Chestnut Ridge Trl, Seven Devils (Banner Elk), NC 28604 Property Records

Watauga County property record for 1028 Chestnut Ridge Trl, Seven Devils, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,341 sqft · built 2004
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Trust Names on File
Last Sale	$610,000 (Sep 2018)
Tax Bill	$2,427 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1878-59-0858-000`

Property Details

APN / Parcel Number

Primary APN	`1878-59-0858-000`
Alternative APN	`1785062`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,341 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	568 sqft
Finished Basement	568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Rustic
Exterior Material	Logs
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	736 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1785062
Street Address	1028 CHESTNUT RIDGE TRL
City	SEVEN DEVILS
State	NC
Zip	28604-8761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 REVISED ALPINE MEADOWS
Legal Subdivision	REVISED
Legal Lot Number	27
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	2
Census Block	2032
Census Tract	920900

Owner

1028 Chestnut Ridge Trl is held in a trust since September 2018.

Source: Watauga County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	13620 QUEENS HARBOR BLVD N, JACKSONVILLE, FL 32225-4923
Owner Type	Company
Vesting	Trust

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

Date	Document
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Sep 11, 2018	Deed of Trust, Mortgage FIRST HM MTG CORP/AMERICA
Sep 11, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2018 · Amount on File
Deed Sale	Sep 11, 2018 · Amount on File
Deed Document Number	2018672230
Deed Book / Page	1991 / 798
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	1028 CHESTNUT RIDGE TRL, SEVEN DEVILS, NC 28604-8761
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020730192
Date	Jan 29, 2020
Book Page	2073/0192
Instrument	686985

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	1028 CHESTNUT RIDGE TRL, SEVEN DEVILS, NC 28604-8761
Document Number	0019910807
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 CHESTNUT RIDGE TRL SEVEN DEVILS NC 286048761, SEVEN DEVILS, NC 28604-8761

Mortgage

Document Number	0019910807
Date	Sep 11, 2018
Book Page	001991/000807
Instrument	672232

Lender

Name	FIRST HM MTG CORP/AMERICA
Type	Mortgage Company
Address	BALTIMORE, MD 21236

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Sep 11, 2018
Property Address	1028 CHESTNUT RIDGE TRL, SEVEN DEVILS, NC 28604-8761
Document Number	0019910798
Book / Page	1991 / 0798
Map Reference	MB18 PG56
Instrument Date	Sep 8, 2018
Instrument	672230
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 BUSBRIDGE CV, 111, POOLER, GA 31322-9620

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	13620 QUEENS HARBOR BLVD N, JACKSONVILLE, FL 32225-4923

Mortgage

Document Number	672232
Date	Sep 11, 2018
Instrument	672232

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1028 Chestnut Ridge Trl was $2,427.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$727,300 (-) Land $66,000 Building $661,300
2025	$2,427.00	$727,300 Land $66,000 Building $661,300
2024			$727,300 Land $66,000 Building $661,300
2023		$727,300 Land $66,000 Building $661,300

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

Flood

FEMA maps place 1028 Chestnut Ridge Trl in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1994.

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 File median of 11 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 units insured incl. 15 condo units
Nearby Flood Claims	30 (1994–2024)
Claims Outside the SFHA	8 of 30
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims Hurricane Ivan, Sep 2004 · 6 claims Tropical Storm Frances, Sep 2004 · 5 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 1028 Chestnut Ridge Trl is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SEVEN DEVILS serves 400 people · EPA ID NC0195118
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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