Watauga County property record for 109 Overbrook Knoll, Beech Mountain, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,846 sqft · built 1989 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $645,000 (Sep 2025) |
| Tax Bill | $1,546 (2022) |
| Deeds & Mortgages | Jun 2023 Line of Credit Sep 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1950-24-7890-000 |
| Primary APN | 1950-24-7890-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,846 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Basement Area | 896 sqft |
| Finished Basement | 448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 19,602 sqft (0.45 acres) |
| Porch | Porch |
| Porch Area | 60 sqft |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Account Number | 1868013 |
|---|---|
| Street Address | 109 OVERBROOK KNL |
| City | BEECH MOUNTAIN |
| State | NC |
| Zip | 28604-8143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BMR2 |
| Legal Description | CHARTER HILLS C 084 |
| Legal Subdivision | CHARTER HILLS |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | LAUREL CREEK |
| Census Block Group | 1 |
| Census Block | 1076 |
| Census Tract | 921000 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20608 POINTE REGATTA DR, CORNELIUS, NC 28031-7156 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 19, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Sep 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 21, 2023 | Warranty Deed, Transfer |
| Jun 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Oct 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2025 · Amount on Record |
| Deed Sale | Sep 26, 2025 · Amount on Record |
| Prior Sale | Jun 28, 2022 · Amount on Record |
| Deed Document Number | 2025753853 |
| Deed Book / Page | 2452 / 580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 109 OVERBROOK KNL, BEECH MOUNTAIN, NC 28604-8143 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0023370849 |
|---|---|
| Date | Jun 19, 2023 |
| Book Page | 2337/849 |
| Instrument | 731989 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MOORESVILLE, NC 28117 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Sep 26, 2025 |
| Property Address | 109 OVERBROOK KNL, BEECH MOUNTAIN, NC 28604-8143 |
| Document Number | 0024520580 |
| Book / Page | 2452 / 580 |
| Map Reference | MB 4 PG 116 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 753853 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 141 LOGAN RIDGE DR, STATESVILLE, NC 28677-8450 |
| Name | Verified Name |
|---|---|
| Address | 20608 POINTE REGATTA DR, CORNELIUS, NC 28031-7156 |
| Document Number | 0000753854 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 753854 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 5-Year TN |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Jun 21, 2023 |
| Property Address | 109 OVERBROOK KNL, BEECH MOUNTAIN, NC 28604-8143 |
| Document Number | 0023380262 |
| Book / Page | 2338 / 262 |
| Map Reference | MB 4 PG 116 |
| Instrument Date | Jun 21, 2023 |
| Instrument | 732062 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 141 LEXANNA DR, STATESVILLE, NC 28625-2271 |
| Name | Verified Name |
|---|---|
| Address | 141 LEGEND LN, STATESVILLE, NC 28677-2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Jun 28, 2022 |
| Property Address | 109 OVERBROOK KNL, BEECH MOUNTAIN, NC 28604-8143 |
| Document Number | 0022830406 |
| Book / Page | 2283 / 406 |
| Map Reference | MB 4 PG 116 |
| Instrument Date | Jun 20, 2022 |
| Instrument | 721804 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 OAK TURN RD, 109, CHARLESTON, SC 29412-8313 |
| Name | Verified Name |
|---|---|
| Address | 141 LOGAN RIDGE DR, STATESVILLE, NC 28677-8450 |
| Document Number | 0000721805 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 721805 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Oct 21, 2021 |
| Property Address | 109 OVERBROOK KNL, BEECH MOUNTAIN, NC 28604-8143 |
| Document Number | 0022300304 |
| Book / Page | 2230 / 304 |
| Map Reference | MB 4 PG 116 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 712891 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $798.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2536 SONORA CALZADA, 2536, PENSACOLA, FL 32507-2632 |
| Name | Verified Name |
|---|---|
| Address | 109 OAK TURN RD, CHARLESTON, SC 29412-8313 |
| Document Number | 712892 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 712892 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Beech Mountain Town |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $464,600 (-) Land $37,800 Building $426,800 | ||
| 2025 | $464,600 (-) Land $37,800 Building $426,800 | ||
| 2024 | $464,600 (-) Land $37,800 Building $426,800 | $464,600 Land $37,800 Building $426,800 | |
| 2023 | $464,600 (+0.74%) Land $37,800 Building $426,800 | ||
| 2022 | $1,546.00 | $461,200 Land $37,800 Building $423,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 5 (2011–2020) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Feb 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 153 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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