243 Rocky Top Trl, Seven Devils (Banner Elk), NC 28604 Property Records

Watauga County property record for 243 Rocky Top Trl, Seven Devils, NC 28604

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 3.5 ba · 2,368 sqft · built 2016
Lot Size	1.29 acres (56,192 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (Oct 2015)
Tax Bill	$2,506 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1878-28-5127-000`

Property Details

APN / Parcel Number

Primary APN	`1878-28-5127-000`
Alternative APN	`1760383`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,368 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	784 sqft
Finished Basement	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Modular
Exterior Material	Wood
Construction Type	Frame
Lot Area	56,192 sqft (1.29 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	372 sqft
Patio Area	770 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1760383
Street Address	243 ROCKY TOP TRL
City	SEVEN DEVILS
State	NC
Zip	28604-6413
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	LOT 7 SETTLERS RIDGE
Legal Subdivision	SETTLERS RIDGE
Legal Lot Number	7
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	2
Census Block	2029
Census Tract	920900

Owner

243 Rocky Top Trl, a residential property, is owned and occupied by two individuals who bought it in October 2015.

Source: Watauga County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	243 ROCKY TOP TRL, SEVEN DEVILS, NC 28604-6413
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 9, 2017	Deed of Trust, Mortgage HIGHLANDS HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2015 · Amount on File
Deed Sale	Oct 20, 2015 · Amount on File
Deed Document Number	2015641628
Deed Book / Page	1829 / 561
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	243 ROCKY TOP TRL, SEVEN DEVILS, NC 28604-6413
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022180020
Date	Sep 2, 2021
Book Page	2218/20
Instrument	710823

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	243 ROCKY TOP TRL, SEVEN DEVILS, NC 28604-6413
Document Number	0019030689
Book / Page	001903 / 000689
Instrument Date	Feb 9, 2017
Transaction Type	Mortgage
Record Updated	May 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 ROCKY TOP TRL SEVEN DEVILS NC 286046413, SEVEN DEVILS, NC 28604-6413

Mortgage

Document Number	0019030689
Date	Feb 9, 2017
Book Page	001903/000689
Instrument	655502

Lender

Name	HIGHLANDS HM MTG
Address	RALEIGH, NC 27609

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 243 Rocky Top Trl was $2,506.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$755,600 (+0.48%) Land $83,000 Building $672,600
2025	$2,506.00	$752,000 Land $83,000 Building $669,000
2024			$752,000 Land $83,000 Building $669,000
2023		$752,000 Land $83,000 Building $669,000

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

Flood

FEMA maps place 243 Rocky Top Trl in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1994.

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 File median of 11 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 units insured incl. 15 condo units
Nearby Flood Claims	30 (1994–2024)
Claims Outside the SFHA	8 of 30
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims Hurricane Ivan, Sep 2004 · 6 claims Tropical Storm Frances, Sep 2004 · 5 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 243 Rocky Top Trl 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 64% of the US · above 49% 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	TOWN OF SEVEN DEVILS serves 400 people · EPA ID NC0195118
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 117 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

May also be available: T-Mobile.

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