294 Rocky Rd, Seven Devils (Banner Elk), NC 28604 Property Records

Watauga County property record for 294 Rocky Rd, Seven Devils, NC 28604 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,240 sqft · built 1999
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,489 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1878-10-4189-000`

Property Details

APN / Parcel Number

Primary APN	`1878-10-4189-000`
Alternative APN	`1535447`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Logs
Roof Material	Asphalt
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1535447
Street Address	294 ROCKY RD
City	BANNER ELK
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF S R 105
Legal Subdivision	OFF S R
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	3
Census Block	3017
Census Tract	920900

Owner

Source: Watauga County records · APN 1878-10-4189-000

Assessment roll updated December 2, 2025 · Last verified June 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 File
Mailing Address	242 BALSAM CIR, TROY, NC 27371-9716
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	294 ROCKY RD, SEVEN DEVILS, NC 28604
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020890270
Date	Apr 29, 2020
Book Page	2089/270
Instrument	689665

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 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	$1,489.00	$373,300 (-) Land $14,000 Building $359,300
2024			$373,300 Land $14,000 Building $359,300
2023		$373,300 Land $14,000 Building $359,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371899209003, 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 47 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	47 in force 17 of 47 on primary residences
Nearby Flood Claims	21 (2004–2025)
Claims Outside the SFHA	5 of 21
Most Recent Claim	May 2025, river or lake flooding
Flood Events	Tropical Storm Helene (Sep 2024), 14 claims Hurricane Ivan (Sep 2004), 2 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	About 1 in 2,000 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.