Avery County property record for 103 Beechtop Rd, Banner Elk, NC 28604
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 3 ba · 2,000 sqft · built 1983 |
| Owner | 2 Individual Names on File |
| Last Sale | $228,000 (Dec 2003) |
| Tax Bill | $2,905 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 43896 |
| Primary APN | 43896 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,000 sqft Heated Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 4 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Deck Area | 268 sqft |
| Patio Area | 268 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 43896 |
|---|---|
| Street Address | 103 BEECHTOP RD |
| City | BANNER ELK |
| State | NC |
| Zip | 28604 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | BM BEECH TOP 4 PLAT 17-37 |
| Legal Subdivision | BM BEECH TOP |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 930100 |
103 Beechtop Rd, a residential property, is owned by two individuals who bought it in December 2003.
Source: Avery County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 449, CONLEY, GA 30288-0449 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2003 · Amount on File |
| Deed Sale | Dec 31, 2003 · Amount on File |
| Deed Document Number | 0003733023 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 103 Beechtop Rd was $2,905.
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Beech Mountain Town |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,905.00 | $276,700 Land $95,000 Building $181,700 | $276,700 Land $95,000 Building $181,700 |
| 2023 | $1,106.00 | $276,700 Land $95,000 Building $181,700 | $276,700 Land $95,000 Building $181,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 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 |
|
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 risk around 103 Beechtop Rd 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 | Direct burnable vegetation |
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 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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
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