Watauga County property record for 282 Charles St, Boone, NC 28607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,128 sqft · built 1999 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $633,000 (Feb 2025) |
| Tax Bill | $3,050 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2901-60-2793-000 |
| Primary APN | 2901-60-2793-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 1,064 sqft |
| Finished Basement | 1,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Porch | Porch |
| Porch Area | 304 sqft |
| Patio Area | 394 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Account Number | 1865181 |
|---|---|
| Street Address | 282 CHARLES ST |
| City | BOONE |
| State | NC |
| Zip | 28607-3418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOR1 |
| Legal Description | CHARLES STREET |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 920400 |
282 Charles St is owned and occupied by two individuals who bought it in February 2025.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 282 CHARLES ST, BOONE, NC 28607-3418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Apr 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on File |
| Deed Sale | Feb 28, 2025 · Amount on File |
| Prior Sale | Apr 16, 2024 · Amount on File |
| Deed Document Number | 2025748096 |
| Deed Book / Page | 2421 / 515 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Apr 16, 2024 |
| Property Address | 282 CHARLES ST, BOONE, NC 28607-3418 |
| Document Number | 0023790363 |
| Book / Page | 2379 / 363 |
| Map Reference | MB 234 PG 51 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 739912 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 282 CHARLES ST, BOONE, NC 28607-3418 |
| Document Number | 0000739913 |
|---|---|
| Date | Apr 16, 2024 |
| Instrument | 739913 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 282 CHARLES ST, BOONE, NC 28607-3418 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021040120 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 2104/120 |
| Instrument | 692103 |
| Name | FIRST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLUEFIELD, VA 24605 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 282 Charles St was $3,050.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Boone Town |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $408,800 (-) Land $33,200 Building $375,600 | ||
| 2025 | $3,050.00 | $408,800 Land $33,200 Building $375,600 | |
| 2024 | $400,600 Land $33,200 Building $367,400 | ||
| 2023 | $400,600 Land $33,200 Building $367,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 282 Charles St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (1979–2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 282 Charles St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF BOONE serves 19,811 people · EPA ID NC0195010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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