Avery County property record for 130 Main St E, Banner Elk, NC 28604
| Property Type | Commercial Condominium |
|---|---|
| Details | 3,680 sqft · built 1995 |
| Owner | Company Name on File |
| Tax Bill | $2,440 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 37992 |
| Primary APN | 37992 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 6 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 3,680 sqft Total Area |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Composition/Composite |
| Construction Type | Concrete Block |
| Fire Resistance | Wood or Wood & Steel Frame |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Porch | Open Porch |
|---|---|
| Porch Area | 400 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 37992 |
|---|---|
| Street Address | 130 MAIN ST E |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-9238 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Commercial Condominium |
| Local Zoning Code | C1 |
| Legal Description | VILLAGE OF BANNER ELK 201COND 006 0024 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 930100 |
130 Main St E, a commercial property, is owned by a company that acquired it in November 1999.
Source: Avery County records, as of December 3, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 140 AZALEA CIR, BANNER ELK, NC 28604-7386 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1999 |
| Deed Sale | Nov 1, 1999 |
| Deed Document Number | 0003241395 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 130 Main St E was $2,440.
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Banner Elk Town |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,440.00 | $283,800 Land $82,000 Building $201,800 | $283,800 Land $82,000 Building $201,800 |
| 2023 | $1,135.00 | $283,800 (-) Land $82,000 Building $201,800 | $283,800 (-) Land $82,000 Building $201,800 |
| 2022 | $1,135.00 | $283,800 Land $82,000 Building $201,800 | $283,800 Land $82,000 Building $201,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 Main St E in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1995.
Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · 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 43 individual policies |
| Nearby Flood Policies | 47 units insured incl. 4 condo units |
| Nearby Flood Claims | 16 (1995–2024) |
| Claims Outside the SFHA | 2 of 16 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 130 Main St E is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LEES-MCRAE -SOUTH CAMPUS private · serves 99 people · EPA ID NC0106422 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Also Mapped Here | TOWN OF BANNER ELK |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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