Avery County property record for 237 Derby Ln, Sugar Mountain, NC 28604
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2 ba · 2,704 sqft · built 2004 |
| Owner | 2 Individual Names on Record |
| Last Sale | $6,000 (Oct 2002) |
| Tax Bill | $2,075 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 42174 |
| Primary APN | 42174 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,704 sqft Heated Area |
| Basement Area | 1,536 sqft |
| Finished Basement | 1,152 sqft |
| Unfinished Basement | 384 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Porch | Open Porch |
|---|---|
| Porch Area | 416 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 42174 |
|---|---|
| Street Address | 237 DERBY LN |
| City | SUGAR MOUNTAIN |
| State | NC |
| Zip | 28604-7218 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | R2 |
| Legal Description | SM CLOUD SPRING LOT 145 PLAT 5 123-28 |
| Legal Subdivision | SM CLOUD SPRING |
| Legal Lot Number | 145 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 930200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 237 DERBY LN, SUGAR MOUNTAIN, NC 28604-7218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2002 · Amount on Record |
| Deed Sale | Oct 9, 2002 · Amount on Record |
| Deed Document Number | 0000359884 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 237 DERBY LN, SUGAR MOUNTAIN, NC 28604-7218 |
| Document Number | 0005541276 |
| Instrument Date | Dec 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 237 DERBY LN SUGAR MOUNTAIN NC 286047218, SUGAR MOUNTAIN, NC 28604-7218 |
| Document Number | 0005541276 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 000554/001276 |
| Instrument | 7628 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 29, 2040 |
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Sugar Mountain Village |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,075.00 (+70.08%) | $305,200 (-) Land $17,000 Building $288,200 | $305,200 (-) Land $17,000 Building $288,200 |
| 2023 | $1,220.00 | $305,200 (-) Land $17,000 Building $288,200 | $305,200 (-) Land $17,000 Building $288,200 |
| 2022 | $1,220.00 | $305,200 Land $17,000 Building $288,200 | $305,200 Land $17,000 Building $288,200 |
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 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 16 (1997–2024) |
| Claims Outside the SFHA | 13 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 | 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Skyline Telephone.
5G (outdoors only) and 4G LTE
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