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171 Main St E, Banner Elk, NC 28604 Property Records

Avery County property record for 171 Main St E, Banner Elk, NC 28604

Property Summary

Property TypeCommercial
Details2,420 sqft · built 2020
Lot Size0.317 acres (13,818 sqft)
Owner2 Company Names on Record
Last Sale$180,000 (Aug 2018)
Tax Bill$5,246 (2025)
Deeds & MortgagesOct 2026 Sale
Sep 2020 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN1859-18-20-5731-00000

Property Details

APN / Parcel Number

Primary APN1859-18-20-5731-00000
Alternative APN
  • 72206

Interior

Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area2,420 sqft Gross Area
1st Floor Area2,420 sqft
FlooringWood
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialLog/Wood Shingle
Construction TypeWood
Fire ResistanceWood or Wood & Steel Frame
Foundation TypeFooting
Roof TypeGable
Roof MaterialAsphalt
Lot Area13,818 sqft (0.317 acres)
Lot Dimensions141 ft deep x 98 ft wide
PorchSlab
Deck Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number72206
Street Address171 MAIN ST E
CityBANNER ELK
StateNC
Zip28604
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeC1P
Legal DescriptionLP ON MAIN
Legal SubdivisionPROPERTY OF JOHN B WILSON
JurisdictionAVERY NC
Township / Civil DivisionBANNER ELK
Census Block Group1
Census Block1045
Census Tract930100

Owner

Source: Avery County records, as of October 21, 2026

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

Owner of Record2 Company Names on Record
Mailing AddressPO BOX 1148, BANNER ELK, NC 28604-1148
Owner TypeCompany
VestingTrust, Revocable Living Trust

Deeds, Mortgages & Sale History

DateDocument
Oct 9, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Sep 17, 2020Deed of Trust, Mortgage · Line of Credit
BANK OF TENNESSEE
Oct 24, 2019Quit Claim Deed, Mortgage · Line of Credit
MOUNTAIN CMNTY BK
Aug 20, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 20, 2018 · Amount on Record
Deed SaleAug 20, 2018 · Amount on Record
Deed Document Number20184418
Deed Book / Page523 / 1200
Last Transfer DateOct 24, 2019
Transfer Doc0000005006
Record UpdatedOct 29, 2026

October 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionAVERY NC
Recording DateOct 9, 2026
Property Address171 MAIN ST E, BANNER ELK, NC 28604
Document Number0000004337
Book / Page624 / 2029
Instrument DateOct 5, 2026
Instrument20264337
Transaction TypeTransfer
Record UpdatedOct 20, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAVERY NC
Property Address171 MAIN ST E, BANNER ELK, NC 28604
Document Number0005491183
Instrument DateSep 17, 2020
Transaction TypeMortgage
Record UpdatedOct 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address517 LAUREL RIDGE RD BANNER ELK NC 286048635, BANNER ELK, NC 28604-8635

Mortgage

Document Number0005491183
DateSep 28, 2020
Book Page000549/001183
Instrument5217
Lender
NameBANK OF TENNESSEE
TypeBank
AddressSUGAR MOUNTAIN, NC 28604
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

October 2019: Quit Claim Deed, Mortgage

Document TypeQuit Claim Deed
JurisdictionAVERY NC
Recording DateOct 24, 2019
Property Address171 MAIN ST E, BANNER ELK, NC 28604
Document Number0005362230
Book / Page000536 / 002230
Instrument DateOct 24, 2019
Instrument5006
Transaction TypeMortgage
Record UpdatedNov 5, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address517 LAUREL RIDGE RD BANNER ELK NC 286048635, BANNER ELK, NC 28604-8635

Mortgage

Document Number5362233
DateOct 24, 2019
Book Page000536/002233
Instrument5007
Lender
NameMOUNTAIN CMNTY BK
TypeBank
AddressSUGAR MOUNTAIN, NC 28604
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueOct 23, 2039
Interest
Rate TypeAdjustable Rate

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionAVERY NC
Recording DateAug 20, 2018
Property Address171 MAIN ST E, BANNER ELK, NC 28604
Document Number0005230102
Book / Page000523 / 000102
Instrument DateAug 20, 2018
Instrument4418
Transaction TypeTransfer
Record UpdatedSep 6, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$360.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address517 LAUREL RIDGE RD BANNER ELK NC 286048635, BANNER ELK, NC 28604-8635

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyAvery County
MunicipalityBanner Elk Town
Unified School DistrictAvery County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,246.00 (+115%)$610,100 (-) Land $290,200 Building $319,900$610,100 (-) Land $290,200 Building $319,900
2023$2,440.00$610,100 Land $290,200 Building $319,900$610,100 Land $290,200 Building $319,900

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 January 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 43 individual policies
Nearby Flood Policies47 units insured
incl. 4 condo units
Nearby Flood Claims16 (1995–2024)
Claims Outside the SFHA2 of 16
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 8 claims
  • Hurricane Ivan, Sep 2004 · 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 RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemLEES-MCRAE -SOUTH CAMPUS
private · serves 99 people · EPA ID NC0106422
Water SourceGroundwater
Last State InspectionApr 2025
Also Mapped HereTOWN OF BANNER ELK
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting5
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

ProviderMax 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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