Watauga County property record for 245 Charles St, Boone, NC 28607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 1973 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,000 (Oct 2020) |
| Tax Bill | $2,202 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2901-61-2073-000 |
| Primary APN | 2901-61-2073-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Patio Area | 768 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Water Source | Commercial |
| Account Number | 1816823 |
|---|---|
| Street Address | 245 CHARLES ST |
| City | BOONE |
| State | NC |
| Zip | 28607-3402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOR1 |
| Legal Description | QUEEN ST |
| Legal Subdivision | BRANDON SCOT SOUTHERLAND ETUX |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 920400 |
245 Charles St is owned and occupied by two individuals who bought it in October 2020.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 245 CHARLES ST, BOONE, NC 28607-3402 |
| 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.
| Date | Document |
|---|---|
| Jun 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2020 · Amount on File |
| Deed Sale | Oct 14, 2020 · Amount on File |
| Prior Sale | Nov 14, 2014 · Amount on File |
| Deed Document Number | 2020696667 |
| Deed Book / Page | 2132 / 367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 245 CHARLES ST, BOONE, NC 28607-3402 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0022790076 |
|---|---|
| Date | Jun 6, 2022 |
| Book Page | 2279/76 |
| Instrument | 720974 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Oct 14, 2020 |
| Property Address | 245 CHARLES ST, BOONE, NC 28607-3402 |
| Document Number | 0021320367 |
| Book / Page | 2132 / 367 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 696667 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $498.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 245 CHARLES ST, BOONE, NC 28607-3402 |
| Document Number | 696668 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | 696668 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Nov 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.37% |
| Index | 5-Year CMT |
| Max Rate | 10.3% |
The 2025 property tax bill for 245 Charles St was $2,202.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Boone Town |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $290,800 (-) Land $36,400 Building $254,400 | ||
| 2025 | $2,202.00 | $290,800 Land $36,400 Building $254,400 | |
| 2024 | $290,800 Land $36,400 Building $254,400 | ||
| 2023 | $290,800 Land $36,400 Building $254,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 245 Charles St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (1979–2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 245 Charles St is low, with a 0.03% 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 | 0.03% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF BOONE serves 19,811 people · EPA ID NC0195010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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