Watauga County property record for 2228 Valle Cay Dr, Vilas, NC 28692
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,744 sqft · built 1988 |
| Lot Size | 2.7 acres (117,612 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,188 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1981-11-4654-000 |
| Primary APN | 1981-11-4654-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,744 sqft Living Area |
| 1st Floor Area | 1,742 sqft |
| Basement Area | 936 sqft |
| Finished Basement | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Wood Shingle |
| Lot Area | 117,612 sqft (2.7 acres) |
| Garage Type | Detached |
| Garage Area | 504 sqft |
| Porch | Porch |
| Porch Area | 307 sqft |
| Patio Area | 236 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1519011 |
|---|---|
| Street Address | 2228 VALLE CAY DR |
| City | VILAS |
| State | NC |
| Zip | 28692-8429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T-18 AND 19R |
| Legal Subdivision | THE VALLE CAY DEVELOPMENT |
| Legal Tract | 18 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 920300 |
2228 Valle Cay Dr is owned and occupied by two individuals who acquired it in April 2006.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2228 VALLE CAY DR, VILAS, NC 28692-8429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 24, 2006 |
| Transfer Doc | 0011890290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 2228 VALLE CAY DR, VILAS, NC 28692-8429 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0020550660 |
|---|---|
| Date | Oct 23, 2019 |
| Book Page | 2055/0660 |
| Instrument | 683835 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2228 Valle Cay Dr was $2,188, up 0.5% from the year before.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $563,500 (-) Land $53,600 Building $509,900 | ||
| 2025 | $2,188.00 (+0.51%) | $563,500 Land $53,600 Building $509,900 | |
| 2024 | $2,177.00 | $563,500 Land $53,600 Building $509,900 | |
| 2023 | $563,500 Land $53,600 Building $509,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2228 Valle Cay Dr in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1998.
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 24 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 28 (1998–2024) |
| Claims Outside the SFHA | 3 of 28 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 2228 Valle Cay Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 31 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 / 35 |
5G and 4G LTE (outdoors only)
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