Avery County property record for 235 Main St E, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,308 sqft · built 1949 |
| Lot Size | 4.84 acres (211,266 sqft) |
| Owner | Company Name on Record |
| Last Sale | $425,000 (Sep 2022) |
| Tax Bill | $3,619 (2025) |
| Deeds & Mortgages | Sep 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 69581 |
| Primary APN | 69581 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,308 sqft Heated Area |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 211,266 sqft (4.84 acres) |
| Garage Area | 391 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 232 sqft |
| Shed | 1 Shed |
| Shed Area | 540 sqft |
| Storage Building | 84 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Coal |
| Account Number | 69581 |
|---|---|
| Street Address | 235 MAIN ST E |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-8972 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | PLAT 43-190 |
| Legal Subdivision | RALPH E DAUGHTRY |
| Legal Block | 1 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 930100 |
Source: Avery County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 696, BANNER ELK, NC 28604-0696 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2022 · Amount on Record |
| Deed Sale | Sep 8, 2022 · Amount on Record |
| Prior Sale | Aug 14, 2015 · Amount on Record |
| Deed Document Number | 0005811413 |
| Deed Book / Page | 581 / 1413 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Sep 8, 2022 |
| Property Address | 235 MAIN ST E, BANNER ELK, NC 28604-8972 |
| Document Number | 0000005242 |
| Book / Page | 581 / 1413 |
| Map Reference | MB 43 PG 190 |
| Instrument Date | Sep 6, 2022 |
| Instrument | 2022005242 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 3649, WILMINGTON, NC 28406-0649 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 696, BANNER ELK, NC 28604-0696 |
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 | $3,619.00 (+115.03%) | $420,900 (-) Land $206,100 Building $214,800 | $420,900 (-) Land $206,100 Building $214,800 |
| 2023 | $1,683.00 | $420,900 Land $206,100 Building $214,800 | $420,900 Land $206,100 Building $214,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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 37 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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