113 Charter Hills Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 113 Charter Hills Rd, Beech Mountain, NC 28604

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,803 sqft · built 1985
Lot Size0.18 acres (7,841 sqft)
Owner2 Individual Names on Record
Last Sale$425,000 (Sep 2021)
Tax Bill$1,688 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1950-13-3526-000

Property Details

APN / Parcel Number

Primary APN1950-13-3526-000
Alternative APN
  • 1843748

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures13 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area2,803 sqft Living Area
1st Floor Area625 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleContemporary
Exterior MaterialWood
Construction TypeFrame
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area7,841 sqft (0.18 acres)
Patio Area561 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
Water SourceCommercial

Location & Zoning

Account Number1843748
Street Address113 CHARTER HILLS RD
CityBEECH MOUNTAIN
StateNC
Zip28604-8039
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 1 CHARTER HILL WOODS
Legal SubdivisionCHARTER HILL WOODS
Legal Lot Number1
JurisdictionWATAUGA NC
Township / Civil DivisionLAUREL CREEK
Census Block Group1
Census Block1045
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 Address721 NEW HOMESTEAD DR, VILAS, NC 28692-9606
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 17, 2021 · Amount on Record
Deed SaleSep 17, 2021 · Amount on Record
Deed Document Number2021711465
Deed Book / Page2221 / 620
Record UpdatedOct 29, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateSep 17, 2021
Property Address113 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8039
Document Number0022210620
Book / Page2221 / 620
Map ReferenceMB 12 PG 206
Instrument DateSep 16, 2021
Instrument711465
Transaction TypeTransfer
Record UpdatedJan 25, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$850.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000711466
DateSep 17, 2021
Instrument711466
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2051

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

YearTax BillAssessed ValueAssessed Market Value
2026$476,900 (-3.64%) Land $10,400 Building $466,500
2025$1,688.00$494,900 (-) Land $10,400 Building $484,500
2024$494,900 Land $10,400 Building $484,500
2023$494,900 Land $10,400 Building $484,500

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 Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 134 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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