109 Dugger Ridge Trl, Boone, NC 28607 Property Records

Watauga County property record for 109 Dugger Ridge Trl, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,108 sqft · built 2019
Lot Size	0.077 acres (3,354 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Aug 2022)
Tax Bill	$3,625 (2025)
Deeds & Mortgages	Aug 2022 Sale & Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2848-66-6506-000`

Property Details

APN / Parcel Number

Primary APN	`2848-66-6506-000`
Alternative APNs	`1814216` `1841833`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,108 sqft Living Area
1st Floor Area	488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	3,354 sqft (0.077 acres)
Garage Area	294 sqft
Porch	Porch
Porch Area	656 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	1841833
Street Address	109 DUGGER RIDGE TRL
City	BOONE
State	NC
Zip	28607-6381
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, 0.077 AC, PB27 PG70
Legal Subdivision	BLUE RIDGE MOUNTAIN CLUBPHASE 1
Legal Lot Number	3
Jurisdiction	WATAUGA NC
Township / Civil Division	ELK
Census Block Group	1
Census Block	1055
Census Tract	920702

Owner

Source: Watauga County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	312 STONE WOOD CT, MILFORD, MI 48381-1759
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 24, 2020	Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Prior Sale	Jun 24, 2020 · Amount on Record
Deed Document Number	2022723487
Deed Book / Page	2292 / 884
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 18, 2022
Property Address	109 DUGGER RIDGE TRL, BOONE, NC 28607-6381
Document Number	0022920884
Book / Page	2292 / 884
Map Reference	MB 27 PG 70
Instrument Date	Aug 12, 2022
Instrument	723487
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 STONE WOOD CT, MILFORD, MI 48381-1759

Mortgage

Document Number	0000723488
Date	Aug 18, 2022
Instrument	723488

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jun 24, 2020
Property Address	109 DUGGER RIDGE TRL, BOONE, NC 28607-6381
Document Number	0021010064
Book / Page	2101 / 64
Map Reference	MB 27 PG 70
Instrument Date	Jun 4, 2020
Instrument	691610
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1361 PHEASANT LN, WINSTON SALEM, NC 27106-4585

Mortgage

Document Number	691611
Date	Jun 24, 2020
Instrument	691611

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	7.62%

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,625.00	$870,900 (-) Land $100,000 Building $770,900
2024			$870,900 Land $100,000 Building $770,900
2023		$870,900 Land $100,000 Building $770,900

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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

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

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverStreet Networks Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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