Avery County property record for 269 Cloud Spring Dr, Banner Elk, NC 28604 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,270 sqft · built 2022 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $117,500 (Nov 2021) |
| Tax Bill | $4,819 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1857-00-04-9962-00000 |
| Primary APN | 1857-00-04-9962-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,270 sqft Living Area |
| 1st Floor Area | 1,429 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Roof Material | Metal |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Mountain |
| Porch | Slab |
| Deck Area | 593 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 76609 |
|---|---|
| Street Address | 269 CLOUD SPRING DR |
| City | BANNER ELK |
| State | NC |
| Zip | 28604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SM SUGAR POINTE LOT 217 PLAT 40-71 |
| Legal Subdivision | SM SUGAR POINTE |
| Legal Lot Number | 217 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 930200 |
Source: Avery County records · APN 1857-00-04-9962-00000
Assessment roll updated January 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 620 SELDON DR, CHARLOTTE, NC 28216-5230 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Apr 29, 2022 | Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA |
| Nov 03, 2021 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 03, 2021 · Amount on Record |
| Deed Sale | Nov 03, 2021 · Amount on Record |
| Prior Sale | Feb 05, 2007 · Amount on Record |
| Deed Document Number | 20216920 |
| Deed Book / Page | 568 / 1868 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 269 CLOUD SPRING DR, SUGAR MOUNTAIN, NC 28604-9272 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 620 BELTON ST, CHARLOTTE, NC 28209-1837 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002572 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 576/1575 |
| Instrument | 2022002572 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | May 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Nov 03, 2021 |
| Property Address | 269 CLOUD SPRING DR, SUGAR MOUNTAIN, NC 28604-9272 |
| Document Number | 0000006920 |
| Book / Page | 568 / 1868 |
| Map Reference | MB 5 PG 124 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 2021006920 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $235.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 SELDON DR, CHARLOTTE, NC 28216-5230 |
| Investor | Possibly a Property Investor |
| Document Number | 0005681870 |
|---|---|
| Date | Nov 03, 2021 |
| Instrument | 568/1870 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Dec 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.37% |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
Source: Avery County records · Assessment roll updated January 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Sugar Mountain Village |
| Unified School District | Avery County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,819.00 | $708,700 (+503.14%) Land $117,500 Building $591,200 | $708,700 (+503.14%) Land $117,500 Building $591,200 |
| 2023 | $117,501 Land $117,500 Building $1 | $117,501 Land $117,500 Building $1 |
Source: FEMA National Flood Hazard Layer, Avery County (37011C), updated January 9, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370119302001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 46 individual NFIP policies nearby |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 16 (1997–2024) |
| Claims Outside the SFHA | 13 of 16 |
| Most Recent Claim | Sep 2024, river or lake flooding, Tropical Storm Helene |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,778 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 58 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Loretto Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures