196 Oak, Boone, NC 28607 Property Records

Watauga County property record for 196 Oak, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,907 sqft · built 1967
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Nov 2019)
Tax Bill	$2,689 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1899-06-3011-000`

Property Details

APN / Parcel Number

Primary APN	`1899-06-3011-000`
Alternative APN	`1810638`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,822 sqft Living Area
1st Floor Area	2,186 sqft
Basement Area	1,077 sqft
Finished Basement	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Wood Shingle
Lot Area	7,841 sqft (0.18 acres)
Patio Area	761 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1810638
Street Address	196 OAK
City	BOONE
State	NC
Zip	28607-5786
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 SEC 10 HOUND EARS
Legal Subdivision	HOUND EARS
Legal Lot Number	18
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	1
Census Block	1047
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
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Nov 4, 2019	Warranty Deed, Transfer · Conventional Mortgage SOUTH ATLANTIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on Record
Deed Sale	Nov 4, 2019 · Amount on Record
Deed Document Number	2019684282
Deed Book / Page	2058 / 342
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	196 OAK, BOONE, NC 28607-5786
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021440569
Date	Nov 23, 2020
Book Page	2144/569
Instrument	698735

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Nov 4, 2019
Property Address	196 OAK, BOONE, NC 28607-5786
Document Number	0020580342
Book / Page	2058 / 0342
Map Reference	MB 3 PG 232
Instrument Date	Oct 22, 2019
Instrument	684282
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2228 OVERHILL RD, 2228, CHARLOTTE, NC 28211-2122

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4371 PARKLAND DR, MYRTLE BEACH, SC 29579-6822

Mortgage

Document Number	0000684283
Date	Nov 4, 2019
Instrument	684283

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2020

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		$688,200 (-1.64%) Land $31,900 Building $656,300
2025	$2,689.00	$699,700 (+6.42%) Land $31,900 Building $667,800
2024			$657,500 Land $31,900 Building $625,600
2023		$657,500 Land $31,900 Building $625,600

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.

Nearby Properties on Oak

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures