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130 Buff Ridge Rd, Boone, NC 28607 Property Records

Watauga County property record for 130 Buff Ridge Rd, Boone, NC 28607

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,424 sqft · built 2024
Lot Size1.67 acres (72,745 sqft)
Owner2 Individual Names on Record
Last Sale$100,000 (Aug 2021)
Tax Bill$1,525 (2025)
Deeds & MortgagesSep 2026 Line of Credit
Aug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN2828-69-3805-000

Property Details

APN / Parcel Number

Primary APN2828-69-3805-000
Alternative APN
  • 1841918

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area2,424 sqft Living Area
1st Floor Area1,212 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Architectural StyleConventional
Lot Area72,745 sqft (1.67 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelGas

Location & Zoning

Account Number1841918
Street Address130 BUFF RIDGE RD
CityBOONE
StateNC
Zip28607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 32 PANORAMA ESTATES
Legal SubdivisionPANORAMA ESTATES
Legal Lot Number32
JurisdictionWATAUGA NC
Township / Civil DivisionBLUE RIDGE
Census Block Group3
Census Block3029
Census Tract920703

Owner

Source: Watauga County records, as of October 20, 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 Record
Mailing AddressPO BOX 2468, BLOWING ROCK, NC 28605-2468
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 28, 2026Deed of Trust, Mortgage · Line of Credit
BAY BANK TRUST COMPANY
Aug 17, 2021Warranty Deed, Transfer · Conventional Mortgage
LIFESTORE BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 17, 2021 · Amount on Record
Deed SaleAug 17, 2021 · Amount on Record
Deed Document Number2021710167
Deed Book / Page2213 / 880
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWATAUGA NC
Recording DateSep 28, 2026
Property Address130 BUFF RIDGE RD, BOONE, NC 28607
Document Number0000763537
Book / Page2503 / 764
Instrument DateSep 18, 2026
Instrument2026763537
Transaction TypeMortgage
Record UpdatedOct 13, 2026
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address130 BUFF RIDGE RD, BOONE, NC 28607

Mortgage

Document Number0000763537,
DateSep 28, 2026
Book Page2503/764
Instrument2026763537
Lender
NameBAY BANK TRUST COMPANY
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateAug 17, 2021
Property Address130 BUFF RIDGE RD, BOONE, NC 28607
Document Number0022130880
Book / Page2213 / 880
Map ReferenceMB 3 PG 92
Instrument DateJul 2, 2021
Instrument710167
Transaction TypeTransfer
Record UpdatedJun 9, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address9800 OLD CREEDMOOR RD, RALEIGH, NC 27613-6518

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 2468, BLOWING ROCK, NC 28605-2468

Mortgage

Document Number0000710168
DateAug 17, 2021
Instrument710168
Lender
NameLIFESTORE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2036
Interest
Rate TypeAdjustable Rate
Rate4.75%
Change FrequencyAnnually
Min Rate At Change4%
Max Rate At Change6.75%
Index1-Year CMT
Max Rate10.7%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$534,600 (+28.94%) Land $76,500 Building $458,100
2025$1,525.00$414,600 (+441.96%) Land $76,500 Building $338,100
2024$76,500 Land $76,500
2023$76,500 Land $76,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 57 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies87 units insured
incl. 30 condo units
Nearby Flood Claims58 (1987–2024)
Claims Outside the SFHA9 of 58
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 33 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 RiskLow
lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 39 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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