131 Pond Creek Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 131 Pond Creek Rd, Beech Mountain, NC 28604

Property Summary

Property TypeResidential Vacant Land
Lot Size0.26 acres (11,326 sqft)
Owner2 Individual Names on Record
Last Sale$499,000 (Sep 2024)
Tax Bill$53 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Sep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1950-33-4856-000

Property Details

APN / Parcel Number

Primary APN1950-33-4856-000
Alternative APNs
  • 1847277
  • 1862562

Interior

Plumbing Fixtures8 Plumbing Fixtures

Exterior

Lot Area11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Water SourceCommercial

Location & Zoning

Account Number1862562
Street Address131 W POND CREEK RD
CityBANNER ELK
StateNC
Zip28604
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeBMR2
Legal DescriptionCHARTER HILLS A 143
Legal SubdivisionCHARTER HILLS
JurisdictionWATAUGA NC
Township / Civil DivisionLAUREL CREEK
Census Block Group1
Census Block1082
Census Tract921000

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 Record2 Individual Names on Record
Mailing Address3125 ENGLISH SPARROW LN, CHARLOTTE, NC 28210-7996
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2021Warranty Deed, Transfer · Conventional Mortgage
AMERICAN SECURITY MORTGAGE CORP
Sep 18, 2020Warranty Deed, Transfer · Conventional Mortgage
ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 17, 2024 · Amount on Record
Deed SaleSep 17, 2024 · Amount on Record
Prior SaleDec 1, 2021 · Amount on Record
Deed Document Number2024744231
Deed Book / Page2401 / 896
Record UpdatedOct 29, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateDec 1, 2021
Property Address131 POND CREEK RD, BEECH MOUNTAIN, NC 28604-8164
Document Number0022400182
Book / Page2240 / 182
Map ReferenceMB 4 PG 155
Instrument DateNov 29, 2021
Instrument714488
Transaction TypeTransfer
Record UpdatedFeb 23, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$670.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address57 MITCHELL AVE, ASHEVILLE, NC 28806-2701

Mortgage

Document Number0000714489
DateDec 1, 2021
Instrument714489
Lender
NameAMERICAN SECURITY MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateSep 18, 2020
Property Address131 POND CREEK RD, BEECH MOUNTAIN, NC 28604-8164
Document Number0021230651
Book / Page2123 / 651
Map ReferenceMB 4 PG 155
Instrument DateSep 16, 2020
Instrument695365
Transaction TypeTransfer
Record UpdatedAug 24, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$410.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address2500 FALCON CT, 2500, GASTONIA, NC 28054-6429

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042

Mortgage

Document Number0000695366
DateSep 18, 2020
Instrument695366
Lender
NameALCOVA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$16,900 (-) Land $16,900
2025$53.00$16,900 (-) Land $16,900
2024$16,900 Land $16,900
2023$16,900 Land $16,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 16 policies
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

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 SystemTOWN OF BEECH MOUNTAIN
serves 2,468 people · EPA ID NC0195104
Water SourceSurface water
Last State InspectionSep 2025
Lead5 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 178 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Skyline Telephone
Fiber
2,000 / 2,000
Spectrum
Cable
1,000 / 1,000
T-Mobile
Fixed Wireless
100 / 20

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