Watauga County property record for 138 River Rd 2, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 840 sqft · built 1973 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Company Name on File |
| Tax Bill | $673 (2025) |
| Deeds & Mortgages | Aug 2022 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 1878-96-1951-000 |
| Primary APN | 1878-96-1951-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 818 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Porch | Porch |
| Porch Area | 96 sqft |
| Patio Area | 435 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Account Number | 1854796 |
|---|---|
| Street Address | 138 RIVER ROAD 2 |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-8675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT EE21 MILL RIDGE SEC 3 |
| Legal Subdivision | MILL RIDGE |
| Legal Lot Number | E |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 920900 |
138 River Rd 2 is owned by a company that acquired it in October 2023.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2436 S BRANDON AVE, SPRINGFIELD, MO 65809-3502 |
| Owner Type | Company |
| Vesting | 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 Transfer Date | Oct 18, 2023 |
| Transfer Doc | 0000735480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Aug 29, 2022 |
| Property Address | 138 RIVER ROAD 2, BANNER ELK, NC 28604-8675 |
| Document Number | 0022940347 |
| Book / Page | 2294 / 347 |
| Instrument Date | Jul 6, 2022 |
| Instrument | 723807 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2436 S BRANDON AVE, 2436, SPRINGFIELD, MO 65809-3502 |
| Name | Verified Name |
|---|---|
| Address | 2436 S BRANDON AVE, SPRINGFIELD, MO 65809-3502 |
The 2025 property tax bill for 138 River Rd 2 was $673, up 8.9% from the year before.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $193,400 (+27.4%) Land $24,100 Building $169,300 | ||
| 2025 | $673.00 (+8.9%) | $151,800 Land $24,100 Building $127,700 | |
| 2024 | $618.00 | $194,400 Land $24,100 Building $170,300 | |
| 2023 | $194,400 Land $24,100 Building $170,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 138 River Rd 2 in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 17, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 47 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 21 (2004–2025) |
| Claims Outside the SFHA | 5 of 21 |
| Most Recent Claim | May 2025 · river or lake flooding |
| 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 138 River Rd 2 is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 191 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 |
May also be available: Verizon.
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