117 Saint Andrews Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 117 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,989 sqft · built 1994
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on File
Last Sale	$730,000 (Aug 2023)
Tax Bill	$1,767 (2022)
Deeds & Mortgages	Aug 2023 Sale Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1940-98-1492-000`

Property Details

APN / Parcel Number

Primary APN	`1940-98-1492-000`
Alternative APNs	`1768637` `1858930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,989 sqft Living Area
1st Floor Area	1,207 sqft
Basement Area	782 sqft
Finished Basement	782 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Porch	Porch
Porch Area	1,216 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1858930
Street Address	117 SAINT ANDREWS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	GGGC-H 149
Legal Subdivision	GRASSY GAP GOLF COURSE BEECH MOUNTAIN
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1023
Census Tract	921000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	1911 WINDMILL LN, ALEXANDRIA, VA 22307-1949
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Warranty Deed, Transfer
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 18, 2017	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Jul 18, 2017 · Amount on File
Deed Document Number	2023733730
Deed Book / Page	2346 / 877
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 16, 2023
Property Address	117 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8213
Document Number	0023460877
Book / Page	2346 / 877
Map Reference	MB 4 PG 240
Instrument Date	Aug 8, 2023
Instrument	733730
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount on Record
Tax	$1,460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1568 CLAYTON DR, CHARLOTTE, NC 28203-6002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1911 WINDMILL LN, ALEXANDRIA, VA 22307-1949

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	117 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021270342
Date	Sep 29, 2020
Book Page	2127/342
Instrument	695921

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jul 18, 2017
Property Address	117 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8213
Document Number	0019280694
Book / Page	1928 / 0694
Instrument Date	Jul 18, 2017
Instrument	660206
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1568 CLAYTON DR, CHARLOTTE, NC 28203-6002

Mortgage

Document Number	0019280697
Date	Jul 18, 2017
Book Page	1928/0697
Instrument	660207

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$549,900 (-) Land $27,800 Building $522,100
2025		$549,900 (+3.6%) Land $27,800 Building $522,100
2024			$549,900 Land $27,800 Building $522,100
2023		$530,800 (-) Land $27,800 Building $503,000
2022	$1,767.00	$530,800 Land $27,800 Building $503,000

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 File 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.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · above 50% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 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

5G and 4G LTE (outdoors only)

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