240 Timber Ridge Rd, Sugar Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 240 Timber Ridge Rd, Sugar Mountain, NC 28604

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 924 sqft · built 1974
Owner	Company Name on File
Last Sale	$450,000 (Feb 2023)
Tax Bill	$2,340 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`79270`

Property Details

APN / Parcel Number

Primary APN	`79270`
Alternative APNs	`18570648171600000` `73704`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	924 sqft Heated Area
Basement Area	85 sqft
Finished Basement	85 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Exterior Material	Wood Shingle
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal

Exterior Amenities

Porch	Porch
Porch Area	62 sqft
Deck Area	1,910 sqft
Patio Area	1,910 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	79270
Street Address	240 TIMBER RIDGE RD
City	SUGAR MOUNTAIN
State	NC
Zip	28604-9495
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	R2
Legal Description	SM WEST HIGHLANDS LOT 62 PLAT 7-44
Legal Subdivision	SM WEST HIGHLANDS
Legal Lot Number	62
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1018
Census Tract	930200

Owner

240 Timber Ridge Rd, a residential property, is owned by a company that acquired it in February 2026.

Source: Avery County records, as of February 24, 2026

Owner of Record	Company Name on File
Co-owner	2 Co-owners on File
Mailing Address	5610 ANCHOR DR, GRANITE FALLS, NC 28630-8695
Owner Type	Individual, Secondary Company

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

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Intrafamily Transfer, Transfer
Feb 10, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 26, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Feb 10, 2023 · Amount on File
Deed Sale	Feb 10, 2023 · Amount on File
Prior Sale	Feb 10, 2023 · Amount on File
Deed Document Number	0000000533
Deed Book / Page	585 / 2062
Last Transfer Date	Feb 12, 2026
Transfer Doc	0000000593
Record Updated	Jun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	AVERY NC
Recording Date	Feb 12, 2026
Property Address	240 TIMBER RIDGE RD, SUGAR MOUNTAIN, NC 28604-9495
Document Number	0000000593
Book / Page	617 / 1251
Map Reference	MB 3 PG 68 SH 2
Instrument Date	Feb 12, 2026
Instrument	2026000593
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5610 ANCHOR DR, GRANITE FALLS, NC 28630-8695

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5610 ANCHOR DR, GRANITE FALLS, NC 28630-8695

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Feb 10, 2023
Property Address	240 TIMBER RIDGE RD, SUGAR MOUNTAIN, NC 28604-9495
Document Number	0000000533
Book / Page	585 / 2062
Map Reference	MB 3 PG 68
Instrument Date	Feb 2, 2023
Instrument	2023000533
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5766 A1A S, SAINT AUGUSTINE, FL 32080-7012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5610 ANCHOR DR, GRANITE FALLS, NC 28630-8695

Mortgage

Document Number	0005852065
Date	Feb 10, 2023
Instrument	585/2065

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Aug 26, 2020
Property Address	240 TIMBER RIDGE RD, SUGAR MOUNTAIN, NC 28604-9495
Document Number	0005472128
Book / Page	000547 / 002128
Instrument Date	Aug 24, 2020
Instrument	4387
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5766 AIAS ST AUGUSTINE BEACH FL 32080, ST AUGUSTINE BEACH, FL 32080

Tax Assessment & Valuation

The 2025 property tax bill for 240 Timber Ridge Rd was $2,340.

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Sugar Mountain Village
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,340.00	$344,200 Land $30,000 Building $314,200	$344,200 Land $30,000 Building $314,200
2023	$1,376.00	$344,200 Land $30,000 Building $314,200	$344,200 Land $30,000 Building $314,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 240 Timber Ridge Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1997.

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 File 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	Tropical Storm Helene, Sep 2024 · 8 claims Tropical Storm Frances, Sep 2004 · 2 claims

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

Wildfire risk around 240 Timber Ridge Rd is low, with a 0.04% annual chance of 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	Direct burnable vegetation

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	SUGAR MOUNTAIN UTILITY private · serves 3,226 people · EPA ID NC0106107
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 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

Cell Coverage

5G (outdoors only) and 4G LTE

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