Avery County property record for 165 Forest Ln, Sugar Mountain, NC 28604
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 3 ba · 1,456 sqft · built 1975 |
| Owner | Individual Name on Record |
| Last Sale | $382,500 (Jun 2021) |
| Tax Bill | $2,532 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 75575 |
| Primary APN | 75575 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Heated Area |
| Basement Area | 672 sqft |
| Finished Basement | 672 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Deck Area | 630 sqft |
| Patio Area | 630 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 75575 |
|---|---|
| Street Address | 165 FOREST LN |
| City | SUGAR MOUNTAIN |
| State | NC |
| Zip | 28604-9760 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | R2 |
| Legal Description | SM MUSHROOM PK LOT 37 PLAT 17-30 |
| Legal Subdivision | SM MUSHROOM PK |
| Legal Lot Number | 37 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 930200 |
Source: Avery County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 704 BANNERMAN LN, FORT MILL, SC 29715-7858 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jun 4, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2021 · Amount on Record |
| Deed Sale | Jun 4, 2021 · Amount on Record |
| Prior Sale | Feb 5, 2013 |
| Deed Document Number | 0000561660 |
| Deed Book / Page | 561 / 660 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 165 FOREST LN, SUGAR MOUNTAIN, NC 28604-9760 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021005997 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 566/2221 |
| Instrument | 2021005997 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.24% |
| Type Change Date | Oct 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 5.24% |
| Index | 1-Year CMT |
| Max Rate | 9.24% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Jun 4, 2021 |
| Property Address | 165 FOREST LN, SUGAR MOUNTAIN, NC 28604-9760 |
| Document Number | 2021003229 |
| Book / Page | 561 / 660 |
| Map Reference | MB 4 PG 25 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 2021003229 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $765.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 11244, HICKORY, NC 28603-4744 |
| Name | Verified Name |
|---|---|
| Address | 704 BENNER LANE, FORT MILL, SC 29715 |
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Sugar Mountain Village |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,532.00 (+70.05%) | $372,400 (-) Land $33,000 Building $339,400 | $372,400 (-) Land $33,000 Building $339,400 |
| 2023 | $1,489.00 | $372,400 (-) Land $33,000 Building $339,400 | $372,400 (-) Land $33,000 Building $339,400 |
| 2022 | $1,489.00 | $372,400 Land $33,000 Building $339,400 | $372,400 Land $33,000 Building $339,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 16 (1997–2024) |
| Claims Outside the SFHA | 13 of 16 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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