164 Eagle Pass, Banner Elk, NC 28604 Property Records

Avery County property record for 164 Eagle Pass, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,023 sqft · built 2022
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,273 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74385`

Property Details

APN / Parcel Number

Primary APN	`74385`
Alternative APN	`19300095589100000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,023 sqft Heated Area
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	44,867 sqft (1.03 acres)
Porch	Open Porch
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	74385
Street Address	164 EAGLE PASS
City	BANNER ELK
State	NC
Zip	28604-5953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLES NEST NORTH LOT 58
Legal Subdivision	EAGLES NEST NORTH
Legal Lot Number	58
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	2
Census Block	2012
Census Tract	930100

Owner

164 Eagle Pass is owned by two individuals who acquired it in November 2020.

Source: Avery County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1116 LYTTON LN, MATTHEWS, NC 28104-6835
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

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 20, 2020	Warranty Deed, Transfer FIRST NAT'L BK/PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Oct 7, 2019 · Amount on File
Last Transfer Date	Nov 20, 2020
Transfer Doc	0002202076
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	164 EAGLE PASS, BANNER ELK, NC 28604-5953
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004103
Date	Jul 15, 2021
Book Page	562/2423
Instrument	2021004103

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Nov 20, 2020
Property Address	EAGLE PASS, BANNER ELK, NC 28604
Document Number	0002202076
Book / Page	000220 / 002076
Instrument Date	Nov 2, 2020
Instrument	6786
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1116 LYTTON LN MATTHEWS NC 281046835, MATTHEWS, NC 28104-6835

Mortgage

Document Number	5522079
Date	Nov 20, 2020
Book Page	000552/002079
Instrument	6787

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Amount	Amount on Record
Term	36 Months
Due	Nov 19, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 164 Eagle Pass was $3,273.

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,273.00	$818,300 Land $172,500 Building $645,800	$818,300 Land $172,500 Building $645,800
2023	$1,323.00	$330,900 Land $172,500 Building $158,400	$330,900 Land $172,500 Building $158,400

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

Flood

FEMA maps place 164 Eagle Pass in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1994.

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	11 (1994–2024)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims Severe Storms, Flooding, High Winds, Oct 1995 · 3 claims

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 164 Eagle Pass 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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