200 Northridge Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 200 Northridge Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,383 sqft · built 1970
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Jun 2021)
Tax Bill	$1,347 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1940-95-0228-000`

Property Details

APN / Parcel Number

Primary APN	`1940-95-0228-000`
Alternative APN	`1834919`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,383 sqft Living Area
1st Floor Area	544 sqft
Basement Area	544 sqft
Finished Basement	533 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Porch	Porch
Porch Area	160 sqft
Patio Area	481 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1834919
Street Address	200 NORTHRIDGE RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	LOT 034 NORTHRIDGE
Legal Subdivision	NORTHRIDGE
Legal Lot Number	34
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1040
Census Tract	921000

Owner

200 Northridge Rd is owned by two individuals who bought it in June 2021.

Source: Watauga County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9510 MISTY MOUNTAIN TRL, CHATTANOOGA, TN 37421-7434
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 25, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SMARTBANK
Jul 17, 2017	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Apr 5, 2011 · Amount on File
Deed Document Number	2021707950
Deed Book / Page	2200 / 383
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Recording Date	Apr 22, 2026
Property Address	200 NORTHRIDGE RD, BEECH MOUNTAIN, NC 28604-8139
Document Number	0024820064
Book / Page	2482 / 64
Instrument Date	Apr 22, 2026
Instrument	2026759187
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9510 MISTY MOUNTAIN TRL, CHATTANOOGA, TN 37421-7434

Mortgage

Document Number	0000759187,
Date	Apr 22, 2026
Book Page	2482/64
Instrument	2026759187

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jun 25, 2021
Property Address	200 NORTHRIDGE RD, BEECH MOUNTAIN, NC 28604-8139
Document Number	0022000383
Book / Page	2200 / 383
Map Reference	MB 5 PG 215
Instrument Date	Jun 22, 2021
Instrument	707950
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 MANSFIELD CIR, 322, LEXINGTON, SC 29073-8082

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 CARRINGTON WAY, CHATTANOOGA, TN 37405-4481

Mortgage

Document Number	707951
Date	Jun 25, 2021
Instrument	707951

Lender

Name	SMARTBANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jul 5, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	200 NORTHRIDGE RD, BEECH MOUNTAIN, NC 28604-8139
Document Number	0019280821
Book / Page	001928 / 000821
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 11, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	200 NORTHRIDGE RD BEECH MOUNTAIN NC 286048139, BEECH MOUNTAIN, NC 28604-8139

Mortgage

Document Number	0019280821
Date	Jul 19, 2017
Book Page	001928/000821
Instrument	660227

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 18, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 200 Northridge Rd was $1,347, down 65% from the year before.

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

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Beech Mountain 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		$387,500 (-) Land $69,300 Building $318,200
2025	$1,347.00 (-65.05%)	$387,500 Land $69,300 Building $318,200
2024	$3,854.00		$387,500 Land $69,300 Building $318,200
2023		$387,500 Land $69,300 Building $318,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 200 Northridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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 File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2020

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

Wildfire risk around 200 Northridge Rd is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 BEECH MOUNTAIN serves 2,468 people · EPA ID NC0195104
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2017
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 195 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

Cell Coverage

5G (outdoors only) and 4G LTE

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