190 Arbor Ln, Boone, NC 28607 Property Records

Watauga County property record for 190 Arbor Ln, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,258 sqft · built 1962
Lot Size	2.09 acres (91,040 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,420 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2910-18-6757-000`

Property Details

APN / Parcel Number

Primary APN	`2910-18-6757-000`
Alternative APN	`1543844`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,258 sqft Living Area
1st Floor Area	2,340 sqft
Basement Area	1,170 sqft
Finished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Contemporary
Exterior Material	Brick
Foundation Type	Footing
Roof Material	Other
Lot Area	91,040 sqft (2.09 acres)
Garage Area	600 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	210 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	1543844
Street Address	190 ARBOR LN
City	BOONE
State	NC
Zip	28607-3874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOR1
Legal Description	TRACEY CIRCLE
Legal Subdivision	TRACE
Jurisdiction	WATAUGA NC
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1066
Census Tract	920400

Owner

Source: Watauga County records, as of October 13, 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	190 ARBOR LN, BOONE, NC 28607-3874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	190 ARBOR LN, BOONE, NC 28607-3874
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022120046
Date	Aug 11, 2021
Book Page	2212/46
Instrument	709864

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	190 ARBOR LN, BOONE, NC 28607-3874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019530112
Date	Dec 20, 2017
Book Page	1953/0112
Instrument	664754

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

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
2026		$770,700 (+28.54%) Land $171,800 Building $598,900
2025	$4,420.00	$599,600 (-) Land $171,800 Building $427,800
2024			$599,600 Land $171,800 Building $427,800
2023		$599,600 Land $171,800 Building $427,800

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
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	20 (1989–2025)
Claims Outside the SFHA	12 of 20
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Tropical Storm Helene, Sep 2024 · 10 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 Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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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