217 Charter Hills Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 217 Charter Hills Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 2,642 sqft · built 2007
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$749,000 (Apr 2022)
Tax Bill	$1,695 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1950-23-1273-000`

Property Details

APN / Parcel Number

Primary APN	`1950-23-1273-000`
Alternative APNs	`1845679` `1851810`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,642 sqft Living Area
1st Floor Area	896 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Patio Area	444 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1851810
Street Address	217 CHARTER HILLS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	CHARTER HILLS A 002
Legal Subdivision	CHARTER HILLS
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1056
Census Tract	921000

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	499 HIDDEN PASS, ROYSE CITY, TX 75189-8305
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 25, 2021	Intrafamily Transfer, Transfer
Feb 6, 2019	Quit Claim Deed, Transfer Quitclaim
Aug 23, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2022 · Amount on Record
Deed Sale	Apr 11, 2022 · Amount on Record
Deed Document Number	2022718966
Deed Book / Page	2267 / 1
Prior Transfer Date	Jan 28, 2019
Prior Transfer Doc	0020120763
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Apr 11, 2022
Property Address	217 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8040
Document Number	0022670001
Book / Page	2267 / 1
Map Reference	MB 4 PG 51
Instrument Date	Apr 8, 2022
Instrument	718966
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,498.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1800 NE 114TH ST # ST1011, 1800, MIAMI, FL 33181-3438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 HIDDEN PASS, ROYSE CITY, TX 75189-8305

Mortgage

Document Number	0000718967
Date	Apr 11, 2022
Instrument	718967

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	May 1, 2037
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.62%
Index	Other
Margin	3
Max Rate	8.62%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Oct 25, 2021
Property Address	217 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8040
Document Number	0022310091
Book / Page	2231 / 91
Map Reference	DOC 676195
Instrument Date	Oct 22, 2021
Instrument	713006
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	217 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8040

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Feb 6, 2019
Property Address	217 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8040
Document Number	0020120763
Book / Page	002012 / 000763
Instrument Date	Jan 28, 2019
Instrument	676195
Transaction Type	Transfer
Record Updated	Feb 14, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 NE 114TH ST MIAMI FL 331813438, MIAMI, FL 33181-3438

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 23, 2017
Property Address	217 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8040
Document Number	0019340348
Book / Page	001934 / 000348
Instrument Date	Aug 17, 2017
Instrument	661314
Transaction Type	Transfer
Record Updated	Sep 13, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 CHARTER HILLS RD BEECH MOUNTAIN NC 286048040, BEECH MOUNTAIN, NC 28604-8040

Tax Assessment & Valuation

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		$496,900 (-) Land $16,400 Building $480,500
2025	$1,695.00 (-65.5%)	$496,900 (-) Land $16,400 Building $480,500
2024	$4,913.00		$496,900 Land $16,400 Building $480,500
2023		$496,900 Land $16,400 Building $480,500

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 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

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	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	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 178 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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