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121 Lower Grouse Ridge Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 121 Lower Grouse Ridge Rd, Beech Mountain, NC 28604 · Last verified June 2026

Property Summary

Property TypeManufactured or Modular Home
Details3 bd · 2.5 ba · 1,904 sqft · built 2003
Lot Size0.31 acres (13,504 sqft)
Owner2 Individual Names on File
Last Sale$240,000 (Oct 2017)
Tax Bill$1,556 (2025)
Deeds & MortgagesAug 2021 Line of Credit
Jul 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN1950-36-5811-000

Property Details

APN / Parcel Number

Primary APN1950-36-5811-000
Alternative APN
  • 1773905

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,904 sqft Living Area
1st Floor Area1,176 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleModular
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area13,504 sqft (0.31 acres)
PorchPorch
Porch Area288 sqft
Patio Area498 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric
Water SourceCommercial

Location & Zoning

Account Number1773905
Street Address121 LOWER GROUSE RIDGE RD
CityBEECH MOUNTAIN
StateNC
Zip28604-8125
Property CategoryResidential
Property TypeResidential > Prefabricated > Manufactured or Modular Home
Legal DescriptionCHARTER HILLS C 286
Legal SubdivisionCHARTER HILLS
JurisdictionWATAUGA NC
Township / Civil DivisionLAUREL CREEK
Census Block Group1
Census Block1026
Census Tract921000

Owner

Source: Watauga County records · APN 1950-36-5811-000

Assessment roll updated December 2, 2025 · Last verified June 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 File
Mailing Address5074 KARRIKER CT, FORT MILL, SC 29707-7482
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2021Deed of Trust, Mortgage · Line of Credit
STATE EMPLOYEES CU
Jul 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC
Oct 31, 2017Warranty Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 31, 2017 · Amount on Record
Deed SaleOct 31, 2017 · Amount on Record
Prior SaleNov 01, 2005 · Amount on Record
Deed Document Number2017663366
Deed Book / Page1945 / 351
Record UpdatedSep 20, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWATAUGA NC
Property Address121 LOWER GROUSE RIDGE RD, BEECH MOUNTAIN, NC 28604-8125
Transaction TypeMortgage
Record UpdatedOct 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0022120254
DateAug 12, 2021
Book Page2212/254
Instrument709902
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
AddressCHARLOTTE, NC 28277
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWATAUGA NC
Property Address121 LOWER GROUSE RIDGE RD, BEECH MOUNTAIN, NC 28604-8125
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0021090589
DateJul 28, 2020
Book Page2109/589
Instrument692993
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueAug 01, 2040

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateOct 31, 2017
Property Address121 LOWER GROUSE RIDGE RD, BEECH MOUNTAIN, NC 28604-8125
Document Number0019450351
Book / Page1945 / 0351
Map ReferenceMB 05 PG 001
Instrument DateOct 31, 2017
Instrument663366
Transaction TypeTransfer
Record UpdatedSep 21, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$480.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address52 MANDARIN DR, 52, MOORESVILLE, NC 28117

Transferred To (Grantee/Buyer)

NameVerified Name
Address5074 KARRIKER CT, FORT MILL, SC 29707-7482

Mortgage

Document Number0019450354
DateOct 31, 2017
Book Page1945/0354
Instrument663367
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2047

Tax Assessment & Valuation

Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateNorth Carolina
MunicipalityBeech Mountain Town
CountyWatauga County
Unified School DistrictWatauga County Schools (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,556.00$405,100 (-) Land $23,500 Building $381,600
2024$405,100 Land $23,500 Building $381,600
2023$405,100 Land $23,500 Building $381,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371899210001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 16 individual NFIP policies nearby
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

Wildfire

Wildfire RiskLow
above 34% of the US · above 48% of North Carolina
Wildfire LikelihoodAbout 1 in 2,381 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 121 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Loretto Telephone CompanyFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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