2281 Phillips Branch Rd, Vilas, NC 28692 Property Records

Watauga County property record for 2281 Phillips Branch Rd, Vilas, NC 28692

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 941 sqft · built 1972
Lot Size	0.356 acres (15,507 sqft)
Owner	2 Individual Names on Record
Tax Bill	$425 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1963-80-6786-000`

Property Details

APN / Parcel Number

Primary APN	`1963-80-6786-000`
Alternative APN	`1774228`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	941 sqft Living Area
1st Floor Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Metal
Lot Area	15,507 sqft (0.356 acres)
Porch	Porch
Porch Area	420 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1774228
Street Address	2281 PHILLIPS BRANCH RD
City	VILAS
State	NC
Zip	28692-9619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2, PB26 PG42
Legal Subdivision	TRACT 2
Legal Tract	2
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	2
Census Block	2037
Census Tract	920200

Owner

Source: Watauga County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2281 PHILLIPS BRANCH RD, VILAS, NC 28692-9619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK
Dec 9, 2020	Deed of Trust, Mortgage FIRST CITIZENS BK
Aug 24, 2017	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	2281 PHILLIPS BRANCH RD, VILAS, NC 28692-9619
Document Number	0021530634
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2281 PHILLIPS BRANCH RD VILAS NC 286929619, VILAS, NC 28692-9619

Mortgage

Document Number	0021530634
Date	Dec 23, 2020
Book Page	002153/000634
Instrument	700175

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	2281 PHILLIPS BRANCH RD, VILAS, NC 28692-9619
Document Number	0021530617
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2281 PHILLIPS BRANCH RD VILAS NC 286929619, VILAS, NC 28692-9619

Mortgage

Document Number	0021530617
Date	Dec 23, 2020
Book Page	002153/000617
Instrument	700174

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	2281 PHILLIPS BRANCH RD, VILAS, NC 28692-9619
Document Number	0019340562
Book / Page	001934 / 000562
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2281 PHILLIPS BRANCH RD VILAS NC 286929619, VILAS, NC 28692-9619

Mortgage

Document Number	0019340562
Date	Aug 24, 2017
Book Page	001934/000562
Instrument	661367

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2047

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,300 (-) Land $26,900 Building $57,400
2025	$425.00	$84,300 (-) Land $26,900 Building $57,400
2024			$84,300 Land $26,900 Building $57,400
2023		$84,300 Land $26,900 Building $57,400

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 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

4G LTE only, no 5G reported

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