Watauga County property record for 166 River Bluff Dr, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1988 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $168,000 (Feb 2006) |
| Tax Bill | $763 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1980-90-6661-000 |
| Primary APN | 1980-90-6661-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| Basement Area | 1,224 sqft |
| Finished Basement | 1,224 sqft |
| Unfinished Basement | 1,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Asphalt |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Type | Carport |
| Garage Area | 408 sqft |
| Carport | Carport |
| Carport Area | 408 sqft |
| Porch | Porch |
| Porch Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Oil |
| Account Number | 1614632 |
|---|---|
| Street Address | 166 RIVER BLUFF DR |
| City | BANNER ELK |
| State | NC |
| Zip | 28604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 RIVER BLUFF |
| Legal Subdivision | RIVER BLUFF |
| Legal Lot Number | 2 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 920900 |
Source: Watauga County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7527 CHRISTIAN LIGHT RD, FUQUAY VARINA, NC 27526-6403 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2006 · Amount on Record |
| Deed Sale | Feb 2, 2006 · Amount on Record |
| Deed Document Number | 200615880 |
| Deed Book / Page | 1157 / 154 |
| Record Updated | Oct 29, 2026 |
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 | $176,200 (-) Land $40,700 Building $135,500 | ||
| 2025 | $763.00 | $176,200 (-) Land $40,700 Building $135,500 | |
| 2024 | $176,200 Land $40,700 Building $135,500 | ||
| 2023 | $176,200 Land $40,700 Building $135,500 |
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 May 17, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 26 (1994–2024) |
| Claims Outside the SFHA | 13 of 26 |
| 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 | 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.
Source: FCC Broadband Data Collection, based on 36 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 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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