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

Watauga County property record for 119 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,008 sqft · built 1984
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,326,500 (Dec 2024)
Tax Bill	$2,652 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1940-98-4406-000`

Property Details

APN / Parcel Number

Primary APN	`1940-98-4406-000`
Alternative APNs	`1814136` `1863999`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,008 sqft Living Area
1st Floor Area	1,289 sqft
Basement Area	1,036 sqft
Finished Basement	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Garage Area	525 sqft
Porch	Porch
Porch Area	770 sqft
Patio Area	457 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	1863999
Street Address	119 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 151
Legal Subdivision	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	2 Individual Names on Record
Mailing Address	3100 NE 47TH CT, FORT LAUDERDALE, FL 33308-5362
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Jun 3, 2022	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Jun 18, 2020	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK
Feb 14, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2024 · Amount on Record
Deed Sale	Dec 30, 2024 · Amount on Record
Prior Sale	Jun 18, 2020 · Amount on Record
Deed Document Number	2024746752
Deed Book / Page	2414 / 732
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	119 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8213
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5811 MARKET WAY DR 3416, 3416, CHARLOTTE, NC 28277-4943

Mortgage

Document Number	0022890651
Date	Aug 1, 2022
Book Page	2289/651
Instrument	722924

Lender

Name	UWHARRIE BANK
Type	Bank
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	119 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8213
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5811 MARKET WAY DR 3416, 3416, CHARLOTTE, NC 28277-4943

Mortgage

Document Number	0022780770
Date	Jun 3, 2022
Book Page	2278/770
Instrument	720941

Lender

Name	UWHARRIE BANK
Type	Bank
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 3, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jun 18, 2020
Property Address	119 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8213
Document Number	0020990528
Book / Page	2099 / 528
Map Reference	MB 4 PG 240
Instrument Date	Jun 17, 2020
Instrument	691387
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	442 SOUTH ST MAIN ST19, 442, DAVIDSON, NC 28036-8035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 CUTHBERTSON RD, WAXHAW, NC 28173-7798

Mortgage

Document Number	691388
Date	Jun 18, 2020
Instrument	691388

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Feb 14, 2018
Property Address	119 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8213
Document Number	0019600215
Book / Page	001960 / 000215
Instrument Date	Feb 9, 2018
Instrument	666206
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1109 CUTHBERTSON RD WAXHAW NC 281737798, WAXHAW, NC 28173-7798

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		$802,900 (+0.63%) Land $30,500 Building $772,400
2025	$2,652.00	$797,900 (-) Land $30,500 Building $767,400
2024			$797,900 Land $30,500 Building $767,400
2023		$797,900 Land $30,500 Building $767,400

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 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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