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

Watauga County property record for 155 Pond Creek Rd, Beech Mountain, NC 28604 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,428 sqft · built 1995
Lot Size0.3 acres (13,068 sqft)
Owner2 Individual Names on File
Last Sale$180,000 (Sep 2018)
Tax Bill$1,053 (2025)
Deeds & MortgagesDec 2020 Loan Modification
Sep 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1950-34-9678-000

Property Details

APN / Parcel Number

Primary APN1950-34-9678-000
Alternative APN
  • 1784960

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area1,428 sqft Living Area
1st Floor Area1,020 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Architectural StyleOther
Exterior MaterialWood
Construction TypeFrame
Roof MaterialOther
Lot Area13,068 sqft (0.3 acres)
PorchPorch
Porch Area156 sqft
Patio Area223 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric
Water SourceCommercial

Location & Zoning

Account Number1784960
Street Address155 POND CREEK RD
CityBEECH MOUNTAIN
StateNC
Zip28604-8164
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHARTER HILLS A 167
Legal SubdivisionCHARTER HILLS
JurisdictionWATAUGA NC
Township / Civil DivisionLAUREL CREEK
Census Block Group1
Census Block1082
Census Tract921000

Owner

Source: Watauga County records · APN 1950-34-9678-000

Assessment roll updated December 2, 2025 · Last verified July 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 File
Mailing Address155 POND CREEK LN, BEECH MOUNTAIN, NC 28604-8163
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 03, 2020Loan Modification, Mortgage · VA Mortgage
USAA FED'L SVGS BK
Sep 04, 2018Warranty Deed, Transfer · Conventional Mortgage
USAA FSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 04, 2018 · Amount on Record
Deed SaleSep 04, 2018 · Amount on Record
Deed Document Number2018671984
Deed Book / Page1990 / 623
Record UpdatedSep 20, 2026

December 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWATAUGA NC
Property Address155 POND CREEK RD, BEECH MOUNTAIN, NC 28604-8164
Document Number0021560756
Instrument DateDec 03, 2020
Transaction TypeMortgage
Record UpdatedJan 20, 2021
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address155 POND CREEK RD BEECH MOUNTAIN NC 286048164, BEECH MOUNTAIN, NC 28604-8164

Mortgage

Document Number0021560756
DateJan 08, 2021
Book Page002156/000756
Instrument700688
Lender
NameUSAA FED'L SVGS BK
AddressCOPPELL, TX 75019
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 07, 2051
Interest
Rate3.25%

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateSep 04, 2018
Property Address155 POND CREEK RD, BEECH MOUNTAIN, NC 28604-8164
Document Number0019900623
Book / Page1990 / 0623
Map ReferenceMB4 PG55
Instrument DateAug 28, 2018
Instrument671984
Transaction TypeTransfer
Record UpdatedSep 21, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$360.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5535 MT HOPE CHURCH RD, 5535, SALISBURY, NC 28146-2337

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address155 POND CREEK RD, BEECH MOUNTAIN, NC 28604-8164
InvestorPossibly a Property Investor

Mortgage

Document Number671985
DateSep 04, 2018
Instrument671985
Lender
NameUSAA FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2048

Tax Assessment & Valuation

Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,053.00$255,800 (-) Land $19,100 Building $236,700
2024$255,800 Land $19,100 Building $236,700
2023$255,800 Land $19,100 Building $236,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371899210001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 16 individual NFIP policies nearby
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

Wildfire

Wildfire RiskLow
above 20% of the US · above 24% of North Carolina
Wildfire LikelihoodAbout 1 in 3,333 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 162 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Loretto Telephone CompanyFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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