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

Watauga County property record for 261 Rocky Top Trl, Seven Devils, NC 28604

Property Summary

Property Type	Under Construction
Details	3 bd · 2.5 ba · 2,585 sqft
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$38,000 (Jan 2021)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1878-49-1119-000`

Property Details

APN / Parcel Number

Primary APN	`1878-49-1119-000`
Alternative APN	`1818827`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Units	2 Units
Building Area	2,585 sqft Living Area

Exterior

Architectural Style	Conventional
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1818827
Street Address	261 ROCKY TOP TRL
City	SEVEN DEVILS
State	NC
Zip	28604-6413
Property Category	Other
Property Type	Other > Under Construction
Legal Subdivision	MAPLE SPRINGS
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	2
Census Block	2030
Census Tract	920900

Owner

261 Rocky Top Trl is owned by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3090 PORTSIDE LN, DENVER, NC 28037-0800
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
Jan 12, 2026	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Apr 22, 2022	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
Jan 29, 2021	Warranty Deed, Transfer ATTORNEY ONLY
Jan 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2021 · Amount on File
Deed Sale	Jan 29, 2021 · Amount on File
Prior Sale	Mar 13, 2007 · Amount on File
Deed Document Number	2021701595
Deed Book / Page	2162 / 224
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	261 ROCKY TOP TRL, SEVEN DEVILS, NC 28604-6413
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024680528
Date	Jan 12, 2026
Book Page	2468/528
Instrument	756764

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	261 ROCKY TOP TRL, SEVEN DEVILS, NC 28604-6413
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19907 LAMP LIGHTERS WAY, CORNELIUS, NC 28031-8175

Mortgage

Document Number	0022690366
Date	Apr 22, 2022
Book Page	2269/366
Instrument	719414

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.87%
Index	Other
Margin	3
Max Rate	8.87%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jan 29, 2021
Property Address	BANNER ELK, NC 28604
Document Number	0021620224
Book / Page	002162 / 000224
Instrument Date	Jan 27, 2021
Instrument	701595
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$76.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20809 LAGOONA DR CORNELIUS NC 280317117, CORNELIUS, NC 28031-7117

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Jan 27, 2020
Property Address	BANNER ELK, NC 28604
Document Number	0020720686
Book / Page	002072 / 000686
Instrument Date	Jan 24, 2020
Instrument	686910
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4701 COTTON CREEK DR CHARLOTTE NC 282263231, CHARLOTTE, NC 28226-3231

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$444,000 (+410.34%) Land $48,000 Building $396,000
2025	$87,000 Land $48,000 Building $39,000
2024		$87,400 Land $48,000 Building $39,400
2023	$48,000 Land $48,000

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

Flood

FEMA maps place 261 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 261 Rocky Top Trl is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% 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 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.

Cell Coverage

4G LTE only, no 5G reported

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