Watauga County property record for 274 Hemlock Rd, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,394 sqft · built 1984 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (Jun 2025) |
| Tax Bill | $1,233 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jul 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1878-96-8070-000 |
| Primary APN | 1878-96-8070-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,394 sqft Living Area |
| 1st Floor Area | 551 sqft |
| Basement Area | 504 sqft |
| Finished Basement | 551 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Foundation Type | Footing |
| Roof Material | Rolled Roofing |
| Lot Area | 4,792 sqft (0.11 acres) |
| Porch | Porch |
| Porch Area | 464 sqft |
| Patio Area | 678 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Account Number | 1866474 |
|---|---|
| Street Address | 274 HEMLOCK RD |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-8828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | C-49 MILL RIDGE |
| Legal Subdivision | MILL RIDGE |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 920900 |
274 Hemlock Rd is owned by two individuals who bought it in June 2025.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7004 BRECKEN RIDGE AVE, RALEIGH, NC 27615-6601 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Mar 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 13, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| Feb 17, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2025 · Amount on File |
| Deed Sale | Jun 13, 2025 · Amount on File |
| Prior Sale | Mar 21, 2023 · Amount on File |
| Deed Document Number | 2025750871 |
| Deed Book / Page | 2436 / 176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Mar 21, 2023 |
| Property Address | 274 HEMLOCK RD, BANNER ELK, NC 28604-8828 |
| Document Number | 0023240534 |
| Book / Page | 2324 / 534 |
| Map Reference | MB 6 PG 25 |
| Instrument Date | Mar 13, 2023 |
| Instrument | 729452 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 274 HEMLOCK RD, BANNER ELK, NC 28604-8828 |
| Document Number | 0000729453 |
|---|---|
| Date | Mar 21, 2023 |
| Instrument | 729453 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 274 HEMLOCK RD, BANNER ELK, NC 28604-8828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021050532 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 2105/532 |
| Instrument | 692333 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | SANFORD, NC 27330 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Feb 17, 2017 |
| Property Address | 274 HEMLOCK RD, BANNER ELK, NC 28604-8828 |
| Document Number | 0019040676 |
| Book / Page | 001904 / 000676 |
| Instrument Date | Feb 14, 2017 |
| Instrument | 655704 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 206 PAUL ST SANFORD NC 27330, SANFORD, NC 27330 |
The 2025 property tax bill for 274 Hemlock Rd was $1,233.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $303,900 (-) Land $13,800 Building $290,100 | ||
| 2025 | $1,233.00 | $303,900 Land $13,800 Building $290,100 | |
| 2024 | $303,900 Land $13,800 Building $290,100 | ||
| 2023 | $303,300 Land $13,800 Building $289,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 274 Hemlock Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 2004.
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 47 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 21 (2004–2025) |
| Claims Outside the SFHA | 5 of 21 |
| Most Recent Claim | May 2025 · river or lake flooding |
| Claims by Event |
|
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 274 Hemlock Rd is moderate, ranking above 40% of the US, with a 0.06% 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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 191 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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