261 Apple Rock Rd, Vilas, NC 28692 Property Records

Watauga County property record for 261 Apple Rock Rd, Vilas, NC 28692

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2002
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$1,068 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1981-24-3764-000`

Property Details

APN / Parcel Number

Primary APN	`1981-24-3764-000`
Alternative APN	`1784681`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Porch	Porch
Porch Area	352 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1784681
Street Address	261 APPLE ROCK RD
City	VILAS
State	NC
Zip	28692-8450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.5 P021/067
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	2
Census Block	2014
Census Tract	920300

Owner

261 Apple Rock Rd is owned and occupied by an individual who acquired it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	261 APPLE ROCK RD, VILAS, NC 28692-8450
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 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU
Aug 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 13, 2018
Transfer Doc	0019870002
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	261 APPLE ROCK RD, VILAS, NC 28692-8450
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	UNKNOWN, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 APPLE ROCK RD, VILAS, NC 28692-8450

Mortgage

Document Number	0024520648
Date	Sep 29, 2025
Book Page	2452/648
Instrument	753862

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	261 APPLE ROCK RD, VILAS, NC 28692-8450
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 APPLE ROCK RD, VILAS, NC 28692-8450

Mortgage

Document Number	0023410774
Date	Jul 17, 2023
Book Page	2341/774
Instrument	732776

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	261 APPLE ROCK RD, VILAS, NC 28692-8450
Transaction Type	Mortgage
Record Updated	Jun 16, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022790268
Date	Jun 6, 2022
Book Page	2279/268
Instrument	720999

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	261 APPLE ROCK RD, VILAS, NC 28692-8450
Document Number	0019930277
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019930277
Date	Sep 21, 2018
Book Page	001993/000277
Instrument	672519

Lender

Name	STATE EMPS CU
Address	BOONE, NC 28607

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 13, 2018
Property Address	261 APPLE ROCK RD, VILAS, NC 28692-8450
Document Number	0019870002
Book / Page	001987 / 000002
Instrument Date	Aug 13, 2018
Instrument	671332
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 APPLE ROCK RD VILAS NC 286928450, VILAS, NC 28692-8450

Tax Assessment & Valuation

The 2025 property tax bill for 261 Apple Rock Rd was $1,068, up 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$259,200 (-) Land $26,300 Building $232,900
2025	$1,068.00 (+1.04%)	$259,200 Land $26,300 Building $232,900
2024	$1,057.00		$259,200 Land $26,300 Building $232,900
2023		$259,200 Land $26,300 Building $232,900

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

Flood

FEMA maps place 261 Apple Rock Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2013.

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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	7 (2013–2024)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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 261 Apple Rock Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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