1077 Chestnut Ridge Trl, Seven Devils (Banner Elk), NC 28604 Property Records

Watauga County property record for 1077 Chestnut Ridge Trl, Seven Devils, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,940 sqft · built 2005
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$730,000 (Apr 2025)
Tax Bill	$1,780 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1879-40-8212-000`

Property Details

APN / Parcel Number

Primary APN	`1879-40-8212-000`
Alternative APNs	`1813169` `1851408` `1865790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,940 sqft Living Area
1st Floor Area	1,686 sqft
Basement Area	1,254 sqft
Finished Basement	1,254 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1865790
Street Address	1077 CHESTNUT RIDGE TRL
City	SEVEN DEVILS
State	NC
Zip	28604-8761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 ALPINE MEADOWS
Legal Subdivision	ALPINE MEADOWS
Legal Lot Number	20
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	2
Census Block	2029
Census Tract	920900

Owner

1077 Chestnut Ridge Trl is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1077 CHESTNUT RIDGE TRL, SEVEN DEVILS, NC 28604-8761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Oct 13, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Mar 25, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on File
Deed Sale	Apr 16, 2025 · Amount on File
Prior Sale	Mar 31, 2022 · Amount on File
Deed Document Number	2025749260
Deed Book / Page	2427 / 534
Prior Transfer Date	Jun 25, 2007
Prior Transfer Doc	0000083070
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	1077 CHESTNUT RIDGE TRL, SEVEN DEVILS, NC 28604-8761
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021320111
Date	Oct 13, 2020
Book Page	2132/111
Instrument	696613

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 30, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 31, 2022
Property Address	1077 CHESTNUT RIDGE TRL, SEVEN DEVILS, NC 28604-8761
Document Number	0022650328
Book / Page	2265 / 328
Map Reference	MB 15 PG 278
Instrument Date	Mar 16, 2022
Instrument	718649
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,139.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9420 GINHOUSE LN, CHARLOTTE, NC 28277-6587

Mortgage

Document Number	0000718650
Date	Mar 31, 2022
Instrument	718650

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 25, 2020
Property Address	1077 CHESTNUT RIDGE TRL, SEVEN DEVILS, NC 28604-8761
Document Number	0020820800
Book / Page	002082 / 000800
Instrument Date	Mar 14, 2020
Instrument	688661
Transaction Type	Transfer
Record Updated	Jun 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2636 GULFSTREAM LN LAUDERHILL FL 333124706, LAUDERHILL, FL 33312-4706

Tax Assessment & Valuation

The 2025 property tax bill for 1077 Chestnut Ridge Trl was $1,780, down 57.9% from the year before.

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		$535,700 (+2.31%) Land $41,400 Building $494,300
2025	$1,780.00 (-57.91%)	$523,600 Land $41,400 Building $482,200
2024	$4,229.00		$523,600 Land $41,400 Building $482,200
2023		$523,600 Land $41,400 Building $482,200

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

Flood

FEMA maps place 1077 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 1077 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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