Avery County property record for 186 Eagle Spring Trl, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,220 sqft · built 2019 |
| Lot Size | 2.6 acres (113,430 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Nov 2017) |
| Tax Bill | $3,551 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 68742 |
| Primary APN | 68742 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,220 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 6 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Lot Area | 113,430 sqft (2.6 acres) |
| Porch | Open Porch |
| Porch Area | 418 sqft |
| Utility Building | 554 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 68742 |
|---|---|
| Street Address | 186 EAGLE SPRING TRL |
| City | BANNER ELK |
| State | NC |
| Zip | 28604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLES NEST EAGLE SPRINGS LOT ES-4 |
| Legal Subdivision | EAGLES NEST EAGLE SPRINGS |
| Legal Lot Number | E |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 930100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 15822 HAMPTON FALLS DR, HUNTERSVILLE, NC 28078-5779 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2017 · Amount on Record |
| Deed Sale | Nov 22, 2017 · Amount on Record |
| Deed Document Number | 0005141194 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 186 EAGLES PASS, BANNER ELK, NC 28604 |
| Document Number | 0005221473 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | EAGLES NEST #ES-4 BANNER ELK NC 28607, ES-4, BANNER ELK, NC 28607 |
| Document Number | 0005221473 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 000522/001473 |
| Instrument | 3938 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,551.00 | $887,900 (-) Land $247,500 Building $640,400 | $887,900 (-) Land $247,500 Building $640,400 |
| 2023 | $3,551.00 | $887,900 (-) Land $247,500 Building $640,400 | $887,900 (-) Land $247,500 Building $640,400 |
| 2022 | $3,551.00 | $887,900 Land $247,500 Building $640,400 | $887,900 Land $247,500 Building $640,400 |
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 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 11 (1994–2024) |
| Claims Outside the SFHA | 3 of 11 |
| 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 |
May also be available: Spectrum.
4G LTE (outdoors only), no 5G reported
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