171 Bear Trl, Boone, NC 28607 Property Records

Watauga County property record for 171 Bear Trl, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,657 sqft · built 1920
Lot Size	0.235 acres (10,237 sqft)
Owner	2 Individual Names on Record
Last Sale	$359,000 (Mar 2019)
Tax Bill	$3,082 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2901-90-3537-000`

Property Details

APN / Parcel Number

Primary APN	`2901-90-3537-000`
Alternative APN	`1794093`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,657 sqft Living Area
1st Floor Area	873 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	10,237 sqft (0.235 acres)
Porch	Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	1794093
Street Address	171 BEAR TRL
City	BOONE
State	NC
Zip	28607-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOR1
Legal Description	LOT 1 P24/304
Legal Lot Number	1
Jurisdiction	WATAUGA NC
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2002
Census Tract	920400

Owner

Source: Watauga County records, as of May 27, 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	205 GABLEWOOD LN, HOLLY SPRINGS, NC 27540-8217
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FIDELITY BANK
Feb 14, 2018	Deed of Trust, Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FIDELITY BANK
Mar 21, 2019	Warranty Deed, Transfer · Conventional Mortgage THE FIDELITY BANK
Jan 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHARLOTTE METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2019 · Amount on Record
Deed Sale	Mar 21, 2019 · Amount on Record
Deed Document Number	2019677316
Deed Book / Page	2018 / 898
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	171 BEAR TRL, BOONE, NC 28607-3602
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021670431
Date	Feb 18, 2021
Book Page	2167/431
Instrument	702441

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	CARY, NC 27511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	171 BEAR TRL, BOONE, NC 28607-3602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019600238
Date	Feb 14, 2018
Book Page	1960/0238
Instrument	666215

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GREENSBORO, NC 27408

Agreement

Amount	Amount Recorded
Term	264 Months
Due	Feb 6, 2040

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	171 BEAR TRL, BOONE, NC 28607-3602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020840419
Date	Apr 2, 2020
Book Page	2084/419
Instrument	688875

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	CARY, NC 27511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 1, 2035

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 21, 2019
Property Address	171 BEAR TRL, BOONE, NC 28607-3602
Document Number	0020180898
Book / Page	2018 / 0898
Map Reference	MB 24 PG 304
Instrument Date	Mar 21, 2019
Instrument	677316
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$718.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 LIBERTY RD, 217, REIDSVILLE, NC 27320-6725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 GABLEWOOD LN, HOLLY SPRINGS, NC 27540-8217

Mortgage

Document Number	677318
Date	Mar 21, 2019
Instrument	677318

Lender

Name	THE FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	171 BEAR TRL, BOONE, NC 28607-3602
Document Number	0019000001
Book / Page	001900 / 000001
Instrument Date	Jan 9, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	171 BEAR TRL BOONE NC 286073602, BOONE, NC 28607-3602

Mortgage

Document Number	0019000001
Date	Jan 13, 2017
Book Page	001900/000001
Instrument	654766

Lender

Name	CHARLOTTE METRO CU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Boone Town
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,082.00	$382,500 (-) Land $56,600 Building $325,900
2024			$382,500 Land $56,600 Building $325,900
2023		$382,500 Land $56,600 Building $325,900

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1991–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · tidal / storm surge

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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BOONE serves 19,811 people · EPA ID NC0195010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Skyline Telephone, T-Mobile.

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