2016 Sugar Mountain Dr, Sugar Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 2016 Sugar Mountain Dr, Sugar Mountain, NC 28604

Property Summary

Property TypeSeasonal / Vacation Home
Details3 bd · 2 ba · 1,660 sqft · built 1981
OwnerIndividual Name on File
Last Sale$311,000 (Apr 2021)
Tax Bill$1,717 (2025)
Deeds & MortgagesApr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN75278

Property Details

APN / Parcel Number

Primary APN75278
Alternative APN
  • 18570629849800000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,660 sqft Heated Area
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2001
Exterior MaterialWood
Foundation TypeFooting
Roof TypeGable
Roof MaterialAsphalt
Deck Area192 sqft
Patio Area32 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number75278
Street Address2016 SUGAR MOUNTAIN DR
CitySUGAR MOUNTAIN
StateNC
Zip28604-9885
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Local Zoning CodeR2
Legal DescriptionSM WEST HIGHLANDS LOT 28 PLAT 3-27
Legal SubdivisionSM WEST HIGHLANDS
Legal Lot Number28
JurisdictionAVERY NC
Township / Civil DivisionBANNER ELK
Census Block Group1
Census Block1018
Census Tract930200

Owner

2016 Sugar Mountain Dr, a residential property, is owned by an individual who bought it in April 2021.

Source: Avery County records, as of December 3, 2025

Owner of RecordIndividual Name on File
Mailing Address2728 DERBY GLEN WAY, WAKE FOREST, NC 27587-3532
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 12, 2021 · Amount on File
Deed SaleApr 12, 2021 · Amount on File
Prior SaleSep 1, 2006 · Amount on File
Deed Document Number0005581951
Deed Book / Page558 / 1951
Record UpdatedJun 8, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionAVERY NC
Recording DateApr 12, 2021
Property Address2016 SUGAR MOUNTAIN DR, SUGAR MOUNTAIN, NC 28604-9885
Document Number0000002041
Book / Page558 / 1951
Map ReferenceMB 3 PG 27
Instrument DateMar 31, 2021
Instrument2021002041
Transaction TypeTransfer
Record UpdatedMar 1, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$622.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address120 COUNTRY LN, 120, NEWLAND, NC 28657-9043

Transferred To (Grantee/Buyer)

NameVerified Name
Address2728 DERBY GLEN WAY, WAKE FOREST, NC 27587-3532

Mortgage

Document Number0005581954
DateApr 12, 2021
Instrument558/1954
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051
Interest
Rate TypeAdjustable Rate
Rate3.25%
Type Change DateMay 1, 2026
Change Frequency5 Years
Min Rate At Change3.25%
Max Rate At Change5.25%
Index5-Year CMT
Margin2
Max Rate9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 2016 Sugar Mountain Dr was $1,717.

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyAvery County
MunicipalitySugar Mountain Village
Unified School DistrictAvery County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,717.00$252,600 Land $37,500 Building $215,100$252,600 Land $37,500 Building $215,100
2023$1,010.00$252,600 (-) Land $37,500 Building $215,100$252,600 (-) Land $37,500 Building $215,100
2022$1,010.00$252,600 Land $37,500 Building $215,100$252,600 Land $37,500 Building $215,100

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

Flood

FEMA maps place 2016 Sugar Mountain Dr in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 46 policies
Nearby Flood Policies46 in force
Nearby Flood Claims16 (1997–2024)
Claims Outside the SFHA13 of 16
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 8 claims
  • Tropical Storm Frances, Sep 2004 · 2 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

Wildfire risk around 2016 Sugar Mountain Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire RiskLow
lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 SystemSUGAR MOUNTAIN UTILITY
private · serves 3,226 people · EPA ID NC0106107
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 32 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Skyline Telephone
Fiber
2,000 / 2,000
Spectrum
Cable
1,000 / 1,000
T-Mobile
Fixed Wireless
100 / 20

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