Watauga County property record for 2813 Georges Gap Rd, Vilas, NC 28692
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,892 sqft · built 1986 |
| Lot Size | 7.02 acres (306,096 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,502 (2025) |
| Deeds & Mortgages | Sep 2021 Construction Loan Mar 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1973-30-4585-000 |
| Primary APN | 1973-30-4585-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,892 sqft Living Area |
| 1st Floor Area | 784 sqft |
| Basement Area | 784 sqft |
| Finished Basement | 784 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 306,096 sqft (7.02 acres) |
| Porch | Porch |
| Porch Area | 72 sqft |
| Patio Area | 608 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1768214 |
|---|---|
| Street Address | 2813 GEORGES GAP RD |
| City | VILAS |
| State | NC |
| Zip | 28692-9338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7.027 AC, PB25 PG387 |
| Legal Subdivision | GARY PELLOM |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | COVE CREEK |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 920200 |
Source: Watauga County records, as of May 27, 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 Record |
|---|---|
| Mailing Address | 15 CASSINGTON LN, DURHAM, NC 27705-5755 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2021 | Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO |
| Mar 24, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST CO INC |
| Jan 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 2813 GEORGES GAP RD, VILAS, NC 28692-9338 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0022180728 |
|---|---|
| Date | Sep 7, 2021 |
| Book Page | 2218/728 |
| Instrument | 710945 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Oct 1, 2031 |
| Change Frequency | Quarterly |
| Min Rate At Change | 1% |
| Max Rate At Change | 8.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 2813 GEORGES GAP RD, VILAS, NC 28692-9338 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0019100510 |
|---|---|
| Date | Mar 24, 2017 |
| Book Page | 1910/0510 |
| Instrument | 656817 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 2813 GEORGES GAP RD, VILAS, NC 28692-9338 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0019000861 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 1900/0861 |
| Instrument | 654933 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2027 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
Source: Watauga County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,502.00 | $648,600 (-) Land $113,100 Building $535,500 | |
| 2024 | $648,600 Land $113,100 Building $535,500 | ||
| 2023 | $648,600 Land $113,100 Building $535,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 9 (1990–2024) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% 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.
Source: FCC Broadband Data Collection, based on 5 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 / 35 |
5G and 4G LTE (outdoors only)
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