120 Phillips St, Boone, NC 28607 Property Records

Watauga County property record for 120 Phillips St, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,538 sqft · built 1972
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$233,000 (Nov 2022)
Tax Bill	$950 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2922-54-9550-000`

Property Details

APN / Parcel Number

Primary APN	`2922-54-9550-000`
Alternative APNs	`1817826` `1856473`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
1st Floor Area	1,538 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Porch	Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1856473
Street Address	120 PHILLIPS ST
City	BOONE
State	NC
Zip	28607-9645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 43-46 CARROLL SUB-SOUTHERN 1/2
Legal Subdivision	CARROLL SUB
Legal Lot Number	43-46
Jurisdiction	WATAUGA NC
Township / Civil Division	MEAT CAMP
Census Block Group	3
Census Block	3002
Census Tract	920100

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 Record	Individual Name on Record
Mailing Address	120 PHILLIPS ST, BOONE, NC 28607-9645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Deed Document Number	2022726232
Deed Book / Page	2307 / 515
Prior Transfer Date	Dec 17, 2016
Prior Transfer Doc	0019030523
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Nov 15, 2022
Property Address	120 PHILLIPS ST, BOONE, NC 28607-9645
Document Number	0023070515
Book / Page	2307 / 515
Instrument Date	Nov 15, 2022
Instrument	726232
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$466.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 PHILLIPS ST, BOONE, NC 28607-9645

Mortgage

Document Number	0023070519
Date	Nov 15, 2022
Book Page	2307/519
Instrument	726233

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.65%
Type Change Date	Dec 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.65%
Index	5-Year TN
Max Rate	10.6%

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Dec 3, 2020
Property Address	120 PHILLIPS ST, BOONE, NC 28607-9645
Document Number	0021470279
Book / Page	002147 / 000279
Instrument Date	Dec 3, 2020
Instrument	699150
Transaction Type	Transfer
Record Updated	Dec 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4335 W NC HIGHWAY 268 WILKESBORO NC 286979470, WILKESBORO, NC 28697-9470

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Feb 8, 2017
Property Address	120 PHILLIPS ST, BOONE, NC 28607-9645
Document Number	0019030523
Book / Page	001903 / 000523
Instrument Date	Dec 17, 2016
Instrument	655467
Transaction Type	Transfer
Record Updated	May 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 PHILLIPS ST BOONE NC 286079645, BOONE, NC 28607-9645

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$227,100 (-) Land $18,600 Building $208,500
2025	$950.00 (+1.17%)	$227,100 (-) Land $18,600 Building $208,500
2024	$939.00		$227,100 Land $18,600 Building $208,500
2023		$227,100 Land $18,600 Building $208,500

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	14 (1996–2024)
Claims Outside the SFHA	1 of 14
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims

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	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Skyline Telephone.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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