220 Lake Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 220 Lake Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,600 sqft · built 1970
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Mar 2024)
Tax Bill	$1,379 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1950-04-2579-000`

Property Details

APN / Parcel Number

Primary APN	`1950-04-2579-000`
Alternative APNs	`1817214` `1860845`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,600 sqft Living Area
1st Floor Area	1,000 sqft
Attic	Attic
Attic Area	1,000 sqft
Basement Area	1,200 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Patio Area	617 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1860845
Street Address	220 LAKE RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	CREEKRIDGE 047
Legal Subdivision	CREEKRIDGE
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1058
Census Tract	921000

Owner

Source: Watauga County assessment roll, as of December 2, 2025

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 File
Mailing Address	3363 RANDALL ST, JACKSONVILLE, FL 32205-7854
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Nov 25, 2020	Warranty Deed, Transfer · Conventional Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 15, 2024 · Amount on Record
Deed Sale	Mar 15, 2024 · Amount on Record
Prior Sale	Nov 25, 2020 · Amount on Record
Deed Document Number	2024739176
Deed Book / Page	2375 / 399
Prior Transfer Date	Nov 24, 2020
Prior Transfer Doc	0021450252
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 15, 2024
Property Address	220 LAKE RD, BEECH MOUNTAIN, NC 28604-8117
Document Number	0023750399
Book / Page	2375 / 399
Map Reference	MB 5 PG 179
Instrument Date	Mar 8, 2024
Instrument	739176
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	502 E 2ND ST, CLAYTON, NC 27520-2632

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3363 RANDALL ST, JACKSONVILLE, FL 32205-7854

Mortgage

Document Number	0000739177
Date	Mar 15, 2024
Instrument	739177

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Nov 25, 2020
Property Address	220 LAKE RD, BANNER ELK, NC 28604
Document Number	0021450252
Book / Page	2145 / 252
Map Reference	MB 5 PG 179
Instrument Date	Nov 24, 2020
Instrument	698852
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$504.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 LAKE RD, 220, BANNER ELK, NC 28604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 EAT 2ND STREET, CLAYTON, NC 27520

Mortgage

Document Number	0000698853
Date	Nov 25, 2020
Instrument	698853

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of December 2, 2025

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
2025	$1,379.00 (-61.02%)	$357,000 (+0.59%) Land $19,800 Building $337,200
2024	$3,538.00		$354,900 Land $19,800 Building $335,100
2023		$354,900 Land $19,800 Building $335,100

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 at the parcel

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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Loretto Telephone Company Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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