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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,648 sqft · built 2001
Lot Size	0.32 acres (13,939 sqft)
Owner	Trust Name on File
Last Sale	$881,000 (Mar 2023)
Tax Bill	$2,206 (2025)
Deeds & Mortgages	Mar 2023 Sale Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1940-98-7274-000`

Property Details

APN / Parcel Number

Primary APN	`1940-98-7274-000`
Alternative APNs	`1815555` `1857618`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,648 sqft Living Area
1st Floor Area	1,324 sqft
Basement Area	1,324 sqft
Finished Basement	1,324 sqft
Unfinished Basement	1,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Area	440 sqft
Porch	Porch
Porch Area	212 sqft
Patio Area	202 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1857618
Street Address	200 SAINT ANDREWS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	GGGC-L 125
Legal Subdivision	GRASSY GRAP GOLF COURSE BEECH MOUNTAIN
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1028
Census Tract	921000

Owner

200 Saint Andrews Rd is held in a trust since March 2023.

Source: Watauga County records, as of October 13, 2026

Owner of Record	Trust Name on File
Mailing Address	413 QUAY CIR, CHARLESTON, SC 29412-3594
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Mar 23, 2023	Warranty Deed, Transfer
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FIDELITY BANK
Aug 21, 2020	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2023 · Amount on File
Deed Sale	Mar 23, 2023 · Amount on File
Prior Sale	Aug 21, 2020 · Amount on File
Deed Document Number	2023729506
Deed Book / Page	2324 / 825
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 23, 2023
Property Address	200 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8214
Document Number	0023240825
Book / Page	2324 / 825
Map Reference	MB 5 PG 249
Instrument Date	Mar 15, 2023
Instrument	729506
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount on Record
Tax	$1,762.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 VEGA ST NW, CONCORD, NC 28027-8199

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 136, FOLLY BEACH, SC 29439-0136

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	200 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8214
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020520670
Date	Oct 8, 2019
Book Page	2052/0670
Instrument	683342

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	HIGH POINT, NC 27262

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 21, 2020
Property Address	200 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8214
Document Number	0021160183
Book / Page	2116 / 183
Map Reference	MB 5 PG 249
Instrument Date	Aug 19, 2020
Instrument	694115
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	725 HOOD PL, 725, GREENSBORO, NC 27408-6407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 VEGA ST NW, CONCORD, NC 28027-8199

Mortgage

Document Number	0000694116
Date	Aug 21, 2020
Instrument	694116

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 200 Saint Andrews Rd was $2,206.

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		$657,700 (-) Land $29,400 Building $628,300
2025	$2,206.00	$657,700 Land $29,400 Building $628,300
2024			$657,700 Land $29,400 Building $628,300
2023		$664,700 Land $29,400 Building $635,300

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

Flood

FEMA maps place 200 Saint Andrews 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 Saint Andrews Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 68 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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