247 Streamside Ln, Banner Elk, NC 28604 Property Records

Watauga County property record for 247 Streamside Ln, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,096 sqft · built 2002
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (Sep 2023)
Tax Bill	$1,686 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1878-68-1406-000`

Property Details

APN / Parcel Number

Primary APN	`1878-68-1406-000`
Alternative APNs	`1766572` `1859381`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,096 sqft Living Area
1st Floor Area	864 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Rustic
Exterior Material	Logs
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Porch	Porch
Porch Area	624 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1859381
Street Address	247 STREAMSIDE LN
City	BANNER ELK
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 PH 2 THE LAKE COMMUNITY
Legal Subdivision	THE LAK
Legal Phase	2
Legal Lot Number	22
Legal Unit	Y
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	2
Census Block	2036
Census Tract	920900

Owner

247 Streamside Ln is owned by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	203 BATTERY POINT PL, CARY, NC 27513-2209
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 27, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 13, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2023 · Amount on File
Deed Sale	Sep 27, 2023 · Amount on File
Prior Sale	Jan 13, 2017 · Amount on File
Deed Document Number	2023734906
Deed Book / Page	2353 / 289
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Sep 27, 2023
Property Address	247 STREAMSIDE LN, BANNER ELK, NC 28604
Document Number	0023530289
Book / Page	2353 / 289
Map Reference	MB 15 PG 89
Instrument Date	Sep 15, 2023
Instrument	734906
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 BATTERY POINT PL, CARY, NC 27513-2209

Mortgage

Document Number	0000734907
Date	Sep 27, 2023
Instrument	734907

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	5-Year TN
Max Rate	11.8%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jan 13, 2017
Property Address	247 STREAMSIDE LN, BANNER ELK, NC 28604
Document Number	0019000274
Book / Page	1900 / 0274
Instrument Date	Jan 3, 2017
Instrument	654814
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	730 SAND PINE DR NE, 730, SAINT PETERSBURG, FL 33703-3181

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4012 FAWN HILL RD, MATTHEWS, NC 28105-7645

Mortgage

Document Number	0019000277
Date	Jan 13, 2017
Book Page	1900/0277
Instrument	654815

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 247 Streamside Ln was $1,686.

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		$494,200 (-) Land $30,800 Building $463,400
2025	$1,686.00	$494,200 Land $30,800 Building $463,400
2024			$492,800 Land $30,800 Building $462,000
2023		$492,800 Land $30,800 Building $462,000

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

Flood

FEMA maps place 247 Streamside Ln 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 247 Streamside Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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