Watauga County property record for 170 River Rd 2, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,008 sqft · built 1994 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,004 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1878-96-0834-000 |
| Primary APN | 1878-96-0834-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Porch | Porch |
| Porch Area | 24 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Account Number | 1395250 |
|---|---|
| Street Address | 170 RIVER ROAD 2 |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-8675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT EE 13 SEC 3 MILL RIDGE |
| Legal Subdivision | MILL RIDGE |
| Legal Lot Number | E |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 920900 |
170 River Rd 2, a single family home, is owned by an individual.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7872 SADDLE CREEK TRL, SARASOTA, FL 34241-9619 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 170 River Rd 2 was $1,004.
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 | $241,800 (-) Land $9,400 Building $232,400 | ||
| 2025 | $1,004.00 | $241,800 Land $9,400 Building $232,400 | |
| 2024 | $241,800 Land $9,400 Building $232,400 | ||
| 2023 | $241,800 Land $9,400 Building $232,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 170 River Rd 2 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 47 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 21 (2004–2025) |
| Claims Outside the SFHA | 5 of 21 |
| Most Recent Claim | May 2025 · river or lake flooding |
| 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.
Wildfire risk around 170 River Rd 2 is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 191 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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