281 Main St E, Banner Elk, NC 28604 Property Records

Avery County property record for 281 Main St E, Banner Elk, NC 28604 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,720 sqft · built 1909
Lot Size	26.8 acres (1,167,408 sqft)
Owner	Company Name on File
Last Sale	$400,000 (Aug 2015)
Tax Bill	$93 (2025)
Deeds & Mortgages	May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1859-18-31-3349-00000`

Property Details

APN / Parcel Number

Primary APN	`1859-18-31-3349-00000`
Alternative APN	`69581`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,720 sqft Living Area
Basement Area	362 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Other
Roof Type	Gable
Roof Material	Metal
Lot Area	1,167,408 sqft (26.8 acres)
Porch	Open Porch
Porch Area	362 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	69581
Street Address	281 MAIN ST E
City	BANNER ELK
State	NC
Zip	28604-8972
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEE COMMENTS 0015 0062
Legal Subdivision	TOWN OF BANNER ELK
Legal Lot Number	192
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1044
Census Tract	930100

Owner

Source: Avery County records · APN 1859-18-31-3349-00000

Assessment roll updated January 21, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 696, BANNER ELK, NC 28604-0696
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 07, 2015 · Amount on Record
Deed Sale	Aug 07, 2015 · Amount on Record
Deed Document Number	20152671
Deed Book / Page	493 / 1618
Last Transfer Date	May 04, 2018
Transfer Doc	0005210310
Record Updated	Jun 08, 2026

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AVERY NC
Recording Date	May 31, 2018
Property Address	281 MAIN ST E, BANNER ELK, NC 28604-8972
Document Number	0005210310
Book / Page	000521 / 000310
Instrument Date	May 04, 2018
Instrument	3081
Transaction Type	Transfer
Record Updated	Jun 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 696 BANNER ELK NC 286040696, BANNER ELK, NC 28604-0696

Tax Assessment & Valuation

Source: Avery County records · Assessment roll updated January 21, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Banner Elk Town
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

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	$93.00 (-95.37%)	$502,500 (-) Land $502,500	$502,500 (-) Land $502,500
2023	$2,010.00	$502,500 (-) Land $502,500	$502,500 (-) Land $502,500
2022	$2,010.00	$502,500 Land $502,500	$502,500 Land $502,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Avery County (37011C), updated January 9, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370119301001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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 43 individual NFIP policies nearby
Nearby Flood Policies	47 units insured (4 under condo master policies) 13 of 43 individual policies on primary residences
Nearby Flood Claims	16 (1995–2024)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Flood Events	Tropical Storm Helene (Sep 2024), 8 claims Hurricane Ivan (Sep 2004), 3 claims

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	About 1 in 1,149 per year
Exposure	Direct burnable vegetation at the parcel

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.