228 Pine Ridge Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 228 Pine Ridge Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,300 sqft · built 1969
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$511,000 (Aug 2022)
Tax Bill	$1,158 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1940-87-6309-000`

Property Details

APN / Parcel Number

Primary APN	`1940-87-6309-000`
Alternative APNs	`1844699` `1854759`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	550 sqft
Basement Area	696 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Patio Area	398 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1854759
Street Address	228 PINE RIDGE RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	GGGC-H 082
Legal Subdivision	GRASSY GAP GOLF COURSE
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1032
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	8900 DRY LAKE RD, ZEBULON, NC 27597-5348
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Oct 5, 2021	Warranty Deed, Transfer
Mar 5, 2021	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2022 · Amount on Record
Deed Sale	Aug 25, 2022 · Amount on Record
Prior Sale	Oct 5, 2021 · Amount on Record
Deed Document Number	2022723709
Deed Book / Page	2293 / 907
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 25, 2022
Property Address	228 PINE RIDGE RD, BEECH MOUNTAIN, NC 28604-8149
Document Number	0022930907
Book / Page	2293 / 907
Map Reference	MB 4 PG 84
Instrument Date	Aug 23, 2022
Instrument	723709
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,022.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 LEES CUT, 201, WRIGHTSVILLE BEACH, NC 28480-1780

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8900 DRY LAKE RD, ZEBULON, NC 27597-5348

Mortgage

Document Number	0000723710
Date	Aug 25, 2022
Instrument	723710

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	1-Year CMT
Max Rate	9.87%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Oct 5, 2021
Property Address	228 PINE RIDGE RD, BEECH MOUNTAIN, NC 28604-8149
Document Number	0022250680
Book / Page	2225 / 680
Map Reference	MB 4 PG 84
Instrument Date	Sep 30, 2021
Instrument	712128
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount Recorded
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19800 SW 14TH CT, 19800, PEMBROKE PINES, FL 33029-1224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 LEES CUT, WRIGHTSVILLE BEACH, NC 28480-1780

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 5, 2021
Property Address	228 PINE RIDGE RD, BEECH MOUNTAIN, NC 28604-8149
Document Number	0021710367
Book / Page	2171 / 367
Map Reference	MB 4 PG 84
Instrument Date	Feb 19, 2021
Instrument	703126
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	806 WALTERS ST, 806, REIDSVILLE, NC 27320-3235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19800 SW 14TH CT, PEMBROKE PINES, FL 33029-1224

Mortgage

Document Number	703127
Date	Mar 5, 2021
Instrument	703127

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	228 PINE RIDGE RD, BEECH MOUNTAIN, NC 28604-8149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020740338
Date	Feb 5, 2020
Book Page	2074/0338
Instrument	687176

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

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		$328,200 (-) Land $23,000 Building $305,200
2025	$1,158.00	$328,200 (-) Land $23,000 Building $305,200
2024			$328,200 Land $23,000 Building $305,200
2023		$328,200 Land $23,000 Building $305,200

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	0.04% 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.

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 76 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures