134 Village Cluster Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 134 Village Cluster Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 2001
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Aug 2020)
Tax Bill	$1,022 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1950-03-0369-000`

Property Details

APN / Parcel Number

Primary APN	`1950-03-0369-000`
Alternative APN	`1815489`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Rustic
Exterior Material	Logs
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Porch	Porch
Porch Area	280 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	1815489
Street Address	134 VILLAGE CLUSTER RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	LOT 034 SEC 2 VILLAGE CREEK
Legal Subdivision	VILLAGE CREEK
Legal Lot Number	34
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1047
Census Tract	921000

Owner

134 Village Cluster Rd is owned by two individuals who bought it in August 2020.

Source: Watauga County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	417 HOPKINS ST, NEPTUNE BEACH, FL 32266-4866
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2020 · Amount on File
Deed Sale	Aug 19, 2020 · Amount on File
Prior Sale	Apr 18, 2011 · Amount on File
Deed Document Number	2020693950
Deed Book / Page	2115 / 245
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 19, 2020
Property Address	134 VILLAGE CLUSTER RD, BEECH MOUNTAIN, NC 28604-8231
Document Number	0021150245
Book / Page	2115 / 245
Map Reference	MB 8 PG 169
Instrument Date	Aug 18, 2020
Instrument	693950
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4934, EMERALD ISLE, NC 28594-4934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 HOPKINS ST, NEPTUNE BEACH, FL 32266-4866

Mortgage

Document Number	693951
Date	Aug 19, 2020
Instrument	693951

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 134 Village Cluster Rd was $1,022.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$285,500 (-) Land $10,700 Building $274,800
2025	$1,022.00	$285,500 Land $10,700 Building $274,800
2024			$285,500 Land $10,700 Building $274,800
2023		$285,500 Land $10,700 Building $274,800

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

Flood

FEMA maps place 134 Village Cluster Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 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

Wildfire risk around 134 Village Cluster Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BEECH MOUNTAIN serves 2,468 people · EPA ID NC0195104
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 134 locations within half a mile, as of December 31, 2025

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