210 River Rd 2, Banner Elk, NC 28604 Property Records

Watauga County property record for 210 River Rd 2, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 461 sqft · built 1976
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Company Names on Record
Last Sale	$212,500 (May 2026)
Tax Bill	$651 (2025)
Deeds & Mortgages	May 2026 Sale Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1878-86-8735-000`

Property Details

APN / Parcel Number

Primary APN	`1878-86-8735-000`
Alternative APN	`1799778`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	461 sqft Living Area
1st Floor Area	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Metal
Lot Area	2,614 sqft (0.06 acres)
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1799778
Street Address	210 RIVER ROAD 2
City	BANNER ELK
State	NC
Zip	28604-8676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 4EE MILL RIDGE
Legal Subdivision	MILL RIDGE
Legal Lot Number	4E
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	3
Census Block	3025
Census Tract	920900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	851 W 4TH ST, 23, WINSTON SALEM, NC 27101-2546
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 20, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Jun 20, 2019 · Amount on Record
Deed Document Number	2026759721
Deed Book / Page	2485 / 63
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	May 13, 2026
Property Address	210 RIVER ROAD 2, BANNER ELK, NC 28604-8676
Document Number	0000759721
Book / Page	2485 / 63
Instrument Date	May 12, 2026
Instrument	2026.759721
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$42,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	851 W 4TH ST, 23, WINSTON SALEM, NC 27101-2546

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jun 20, 2019
Property Address	210 RIVER ROAD 2, BANNER ELK, NC 28604-8676
Document Number	0020330423
Book / Page	2033 / 0423
Map Reference	MB 6 PG 209
Instrument Date	Jun 14, 2019
Instrument	679957
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 N EAST ST, RALEIGH, NC 27604-1239

Mortgage

Document Number	679958
Date	Jun 20, 2019
Instrument	679958

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$145,700 (-) Land $24,100 Building $121,600
2025	$651.00 (+1.88%)	$145,700 (-) Land $24,100 Building $121,600
2024	$639.00		$145,700 Land $24,100 Building $121,600
2023		$145,700 Land $24,100 Building $121,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 47 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	21 (2004–2025)
Claims Outside the SFHA	5 of 21
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Tropical Storm Helene, Sep 2024 · 14 claims Hurricane Ivan, 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

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 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

May also be available: Verizon.

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