165 Eagle Pass, Banner Elk, NC 28604 Property Records

Avery County property record for 165 Eagle Pass, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,726 sqft · built 2022
Lot Size	2.6 acres (113,256 sqft)
Owner	Company Name on Record
Last Sale	$1,775,000 (Sep 2024)
Tax Bill	$4,201 (2025)
Deeds & Mortgages	May 2022 Construction Loan Sep 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1930-00-96-2101-00000`

Property Details

APN / Parcel Number

Primary APN	`1930-00-96-2101-00000`
Alternative APNs	`82160` `74076`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,726 sqft Living Area
Gross Area	2,978 sqft
1st Floor Area	1,577 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Multi-Level
Roof Material	Asphalt
Lot Area	113,256 sqft (2.6 acres)
View / Lot	Mountain
Garage Type	Attached
Garage Area	252 sqft
Porch	Slab
Deck Area	570 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	82160
Street Address	165 EAGLE PASS
City	BANNER ELK
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NULL
Legal Description	EAGLES NEST NORTH LOT 65
Legal Subdivision	EAGLES NEST NORTH
Legal Lot Number	65
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	2
Census Block	2012
Census Tract	930100

Owner

Source: Avery County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	28 SENECA RD, SEA RANCH LAKES, FL 33308-2303
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Construction Mortgage NORTHPOINTE BANK
Sep 11, 2024	Warranty Deed, Transfer
Oct 13, 2020	Warranty Deed, Transfer NORTHPOINTE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2024 · Amount on Record
Deed Sale	Sep 11, 2024 · Amount on Record
Prior Sale	Oct 29, 2013 · Amount on Record
Deed Document Number	20244029
Deed Book / Page	602 / 2363
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	165 EAGLE PASS, BANNER ELK, NC 28604-5953
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	EAGLE PASS, ROMINGER, NC 28604

Mortgage

Document Number	0000002764
Date	May 10, 2022
Book Page	577/114
Instrument	2022002764

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2026
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	5.5%
Index	Other
Max Rate	8.5%

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Sep 11, 2024
Property Address	165 EAGLE PASS, BANNER ELK, NC 28604-5953
Document Number	0000004029
Book / Page	602 / 2363
Map Reference	MB 42 PG 395
Instrument Date	Sep 5, 2024
Instrument	2024004029
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 MAY GREEN DR, LAKE WYLIE, SC 29710-8145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SENECA RD, SEA RANCH LAKES, FL 33308-2303

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Oct 13, 2020
Property Address	65 EAGLE PARK CIR, BANNER ELK, NC 28604-6185
Document Number	0005501234
Book / Page	000550 / 001234
Instrument Date	Oct 1, 2020
Instrument	5660
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	835 MISTY ARBOR FRD CLOVER SC 297107864, CLOVER, SC 29710-7864

Mortgage

Document Number	5501237
Date	Oct 13, 2020
Book Page	000550/001237
Instrument	5661

Lender

Name	NORTHPOINTE BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 21, 2026

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	$4,201.00 (+600.17%)	$1,050,300 (+180.01%) Land $150,000 Building $900,300	$1,050,300 (+180.01%) Land $150,000 Building $900,300
2023	$600.00	$375,100 (+150.07%) Land $150,000 Building $225,100	$375,100 (+150.07%) Land $150,000 Building $225,100
2022	$600.00	$150,000 Land $150,000	$150,000 Land $150,000

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 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 Record 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

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

Nearby Properties on Eagle Pass

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures