Avery County property record for 227 Dugger Dr, Banner Elk, NC 28604
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 2 ba · 1,101 sqft · built 1995 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,022 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 66402 |
| Primary APN | 66402 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,101 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 154 sqft |
| Deck Area | 208 sqft |
| Patio Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 66402 |
|---|---|
| Street Address | 227 DUGGER DR |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-7391 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | CROOKED CREEK A1 LOT 11 PLAT 31-80 |
| Legal Subdivision | CROOKED CREEK |
| Legal Lot Number | 11 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 930100 |
227 Dugger Dr, a residential property, is held in a trust since July 2016.
Source: Avery County records, as of December 3, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 1606 ABACO DR APT C1, C1, COCONUT CREEK, FL 33066-1448 |
| Owner Type | Company |
| Vesting | Trust |
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 | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2016 |
| Deed Sale | Jul 1, 2016 |
| Prior Sale | May 20, 2011 · Amount on File |
| Deed Document Number | 0005002347 |
| Deed Book / Page | 456 / 0728 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 227 Dugger Dr was $2,022.
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Banner Elk Town |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,022.00 | $235,200 Land $40,000 Building $195,200 | $235,200 Land $40,000 Building $195,200 |
| 2023 | $940.00 | $235,200 Land $40,000 Building $195,200 | $235,200 Land $40,000 Building $195,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 227 Dugger Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 43 individual policies |
| Nearby Flood Policies | 47 units insured incl. 4 condo units |
| Nearby Flood Claims | 16 (1995–2024) |
| Claims Outside the SFHA | 2 of 16 |
| 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 227 Dugger Dr is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LEES-MCRAE -SOUTH CAMPUS private · serves 99 people · EPA ID NC0106422 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Also Mapped Here | TOWN OF BANNER ELK |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 111 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 |
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