115 Pinnacle Ridge Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 115 Pinnacle Ridge Rd, Beech Mountain, NC 28604

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,792 sqft · built 2006
Lot Size0.32 acres (13,939 sqft)
Owner2 Individual Names on File
Last Sale$314,500 (Nov 2006)
Tax Bill$1,789 (2025)
Deeds & MortgagesSep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN1940-76-0485-000

Property Details

APN / Parcel Number

Primary APN1940-76-0485-000
Alternative APN
  • 1621053

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area1,792 sqft Living Area
1st Floor Area896 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof MaterialAsphalt
Lot Area13,939 sqft (0.32 acres)
Patio Area316 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
Water SourceCommercial

Location & Zoning

Account Number1621053
Street Address115 PINNACLE RIDGE RD
CityBEECH MOUNTAIN
StateNC
Zip28604-8157
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBMR2
Legal DescriptionPINNACLE RIDGE 012
Legal SubdivisionPINNACLE
JurisdictionWATAUGA NC
Township / Civil DivisionLAUREL CREEK
Census Block Group1
Census Block1038
Census Tract921000

Owner

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

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

Owner of Record2 Individual Names on File
Mailing Address2711 OAKMONT, WESTON, FL 33332-1804
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 7, 2006 · Amount on Record
Deed SaleNov 7, 2006 · Amount on Record
Prior SaleFeb 22, 2006 · Amount on Record
Deed Document Number2006169720
Deed Book / Page1234 / 526
Record UpdatedSep 20, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWATAUGA NC
Property Address115 PINNACLE RIDGE RD, BEECH MOUNTAIN, NC 28604-8157
Document Number0020470855
Instrument DateSep 6, 2019
Transaction TypeMortgage
Record UpdatedSep 25, 2019
Title CompanyACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 PINNACLE RIDGE RD #48 BEECH MOUNTAIN NC 286048157, 48, BEECH MOUNTAIN, NC 28604-8157

Mortgage

Document Number0020470855
DateSep 13, 2019
Book Page002047/000855
Instrument682532
Lender
NameSTATE EMPS CU
AddressRALEIGH, NC 27611-5279
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueSep 12, 2039
Interest
Rate TypeAdjustable Rate
Rate9%

Tax Assessment & Valuation

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

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
2025$1,789.00$466,900 (+2.98%) Land $29,100 Building $437,800
2024$466,900 Land $29,100 Building $437,800
2023$453,400 Land $29,100 Building $424,300

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 Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 85 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Loretto Telephone Company
Fiber
2,000 / 2,000
Spectrum
Cable
1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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