Watauga County property record for 286 River Rd 2, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,310 sqft · built 1998 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $387,000 (Aug 2026) |
| Tax Bill | $1,319 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1878-86-4770-000 |
| Primary APN | 1878-86-4770-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,310 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 492 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1784677 |
|---|---|
| Street Address | 286 RIVER ROAD 2 |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-8676 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Subdivision | MILL RIDGE |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 920900 |
Source: Watauga County records, as of August 18, 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 | 286 RIVER ROAD 2, BANNER ELK, NC 28604-8676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Aug 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Aug 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2026 · Amount on Record |
| Deed Sale | Aug 6, 2026 · Amount on Record |
| Prior Sale | Aug 13, 2018 · Amount on Record |
| Deed Document Number | 2026762093 |
| Deed Book / Page | 2496 / 753 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Aug 6, 2026 |
| Property Address | 286 RIVER ROAD 2, BANNER ELK, NC 28604-8676 |
| Document Number | 0000762093 |
| Book / Page | 2496 / 753 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 2026762093 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78,174.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 286 RIVER ROAD 2, BANNER ELK, NC 28604-8676 |
| Investor | Possibly a Property Investor |
| Document Number | 0000762094, |
|---|---|
| Date | Aug 6, 2026 |
| Instrument | 2026762094 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Aug 13, 2018 |
| Property Address | 286 RIVER ROAD 2, BANNER ELK, NC 28604-8676 |
| Document Number | 0019860830 |
| Book / Page | 1986 / 0830 |
| Map Reference | MB420 PG216 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 671317 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 327 BOBBITT RD, 327, CLAYTON, NC 27520-6552 |
| Name | Verified Name |
|---|---|
| Address | 286 RIVER ROAD 2, BANNER ELK, NC 28604-8676 |
| Document Number | 671318 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 671318 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
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 | $1,319.00 | $327,100 (-) Land $20,600 Building $306,500 | |
| 2024 | $327,100 Land $20,600 Building $306,500 | ||
| 2023 | $327,100 Land $20,600 Building $306,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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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