195 Oak, Boone, NC 28607 Property Records

Watauga County property record for 195 Oak, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,226 sqft · built 1967
Lot Size	0.382 acres (16,640 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,529 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`1899-05-5914-000`

Property Details

APN / Parcel Number

Primary APN	`1899-05-5914-000`
Alternative APNs	`1760673` `1774889`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,226 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	360 sqft
Finished Basement	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Lot Area	16,640 sqft (0.382 acres)
Garage Area	408 sqft
Porch	Porch
Porch Area	384 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1774889
Street Address	195 OAK
City	BOONE
State	NC
Zip	28607-5786
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23, SEC 10, 0.382 AC, DB1995 PG338
Legal Lot Number	23
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	1
Census Block	1065
Census Tract	920602

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	328 SHULLS MILL RD, BOONE, NC 28607-8036
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Warranty Deed, Transfer · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC
Oct 2, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

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

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jan 19, 2023
Property Address	195 OAK, BOONE, NC 28607-5786
Document Number	0023160387
Book / Page	2316 / 387
Map Reference	MB 23 PG 478
Instrument Date	Jan 12, 2023
Instrument	727894
Transaction Type	Transfer
Record Updated	Jan 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 PALACE GRN, CARY, NC 27518-9762

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	328 SHULLS MILL RD, BOONE, NC 28607-8036

Mortgage

Document Number	0000727895
Date	Jan 19, 2023
Instrument	727895

Lender

Name	RESOURCE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Oct 2, 2018
Property Address	195 OAK, BOONE, NC 28607-5786
Document Number	0019950334
Book / Page	001995 / 000334
Instrument Date	Sep 27, 2018
Instrument	672880
Transaction Type	Transfer
Record Updated	Apr 28, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$1,150.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 PALACE GRN CARY NC 275189762, CARY, NC 27518-9762

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$656,100 (-) Land $65,100 Building $591,000
2025	$2,529.00	$656,100 (+0.78%) Land $65,100 Building $591,000
2024			$651,000 Land $65,100 Building $585,900
2023		$651,000 Land $65,100 Building $585,900

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
Flood Insurance Cost	Premium on Record median of 23 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 units insured incl. 8 condo units
Nearby Flood Claims	8 (1979–2024)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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	Moderate above 44% of the US · above 65% 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.

Drinking Water

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

Water System	HOUND EARS WATER SYSTEM private · serves 975 people · EPA ID NC0195112
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	Under 1 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	None 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 115 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

May also be available: AT&T.

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