103 Hilltop Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 103 Hilltop Rd, Beech Mountain, NC 28604

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,585 sqft · built 1978
Lot Size0.52 acres (22,651 sqft)
Owner2 Individual Names on Record
Last Sale$410,000 (Nov 2020)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1940-96-2453-000

Property Details

APN / Parcel Number

Primary APN1940-96-2453-000
Alternative APN
  • 1817471

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms10 Rooms
Stories2 Stories
Building Area2,585 sqft Living Area
1st Floor Area930 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleRanch
Exterior MaterialWood
Construction TypeFrame
Foundation TypeRaised
Roof MaterialWood Shingle
Lot Area22,651 sqft (0.52 acres)
Garage Area525 sqft
PorchPorch
Porch Area204 sqft
Patio Area584 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric
Water SourceCommercial

Location & Zoning

Account Number1817471
Street Address103 HILLTOP RD
CityBEECH MOUNTAIN
StateNC
Zip28604-8100
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBMR2
Legal DescriptionGGGC-H 017
Legal SubdivisionGRASSY GAP
JurisdictionWATAUGA NC
Township / Civil DivisionLAUREL CREEK
Census Block Group1
Census Block1031
Census Tract921000

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address202 GLENWOOD RD, BEL AIR, MD 21014-5535
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 5, 2020 · Amount on Record
Deed SaleNov 5, 2020 · Amount on Record
Deed Document Number2020697890
Deed Book / Page2139 / 705
Record UpdatedOct 29, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateNov 5, 2020
Property Address103 HILLTOP RD, BEECH MOUNTAIN, NC 28604-8100
Document Number0021390705
Book / Page2139 / 705
Map ReferenceMB 5 PG 25
Instrument DateNov 2, 2020
Instrument697890
Transaction TypeTransfer
Record UpdatedSep 21, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$820.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6770 RIDGEWOOD AVE APT 1005, 6770, COCOA BEACH, FL 32931-4516

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address202 GLENWOOD RD, BEL AIR, MD 21014-5535

Mortgage

Document Number697891
DateNov 5, 2020
Instrument697891
Lender
NameHARFORD BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
MunicipalityBeech Mountain Town
CountyWatauga County
Unified School DistrictWatauga County Schools (KG - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2026$607,000 (-) Land $55,600 Building $551,400
2025$607,000 (-) Land $55,600 Building $551,400
2024$607,000 Land $55,600 Building $551,400
2023$607,000 Land $55,600 Building $551,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 17, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims5 (2011–2020)
Claims Outside the SFHA5 of 5
Most Recent ClaimFeb 2020

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

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

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemTOWN OF BEECH MOUNTAIN
serves 2,468 people · EPA ID NC0195104
Water SourceSurface water
Last State InspectionSep 2025
Lead5 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 195 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Skyline Telephone
Fiber
2,000 / 2,000
Spectrum
Cable
1,000 / 1,000
T-Mobile
Fixed Wireless
100 / 20

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