Watauga County property record for 188 Cherry Tree Ln, Banner Elk, NC 28604
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 1,476 sqft · built 2005 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $544 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1878-52-2882-000 |
| Primary APN | 1878-52-2882-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,476 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 39,640 sqft (0.91 acres) |
| Porch | Porch |
| Porch Area | 180 sqft |
| Patio Area | 236 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1791497 |
|---|---|
| Street Address | 188 CHERRY TREE LN |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-0016 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | R |
| Legal Description | HWY 105 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 920900 |
188 Cherry Tree Ln, a residential property, is owned and occupied by an individual.
Source: Watauga County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 188 CHERRY TREE LN, BANNER ELK, NC 28604-0016 |
| Occupancy | Owner Occupied |
| 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 188 Cherry Tree Ln was $544.
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 | $228,700 (-) Land $14,800 Building $213,900 | ||
| 2025 | $544.00 | $228,700 Land $14,800 Building $213,900 | |
| 2024 | $228,700 Land $14,800 Building $213,900 | ||
| 2023 | $228,700 Land $14,800 Building $213,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 188 Cherry Tree Ln in Zone X, an area of minimal flood risk, within 500 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 500 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 188 Cherry Tree Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
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 | 0.05% 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 39 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 |
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