297 Circle Dr W, Vilas, NC 28692 Property Records

Watauga County property record for 297 Circle Dr W, Vilas, NC 28692

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,036 sqft · built 1964
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jul 2025)
Tax Bill	$1,125 (2025)
Deeds & Mortgages	Nov 2023 Sale Mar 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1981-96-4421-000`

Property Details

APN / Parcel Number

Primary APN	`1981-96-4421-000`
Alternative APNs	`1776961` `1859788` `1609044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,036 sqft Living Area
1st Floor Area	1,724 sqft
Basement Area	1,724 sqft
Finished Basement	1,724 sqft
Unfinished Basement	1,724 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	26,572 sqft (0.61 acres)
Garage Area	576 sqft
Porch	Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1609044
Street Address	297 CIRCLE DR W
City	VILAS
State	NC
Zip	28692-9567
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	WATAUGA NC
Township / Civil Division	BRUSHY FORK
Census Block Group	2
Census Block	2004
Census Tract	920300

Owner

297 Circle Dr W is owned by two individuals who bought it in July 2025.

Source: Watauga County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	171 HARDAMAN CIR, BOONE, NC 28607-8104
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Warranty Deed, Transfer
Mar 23, 2023	Warranty Deed, Transfer
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 27, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on File
Deed Sale	Jul 17, 2025 · Amount on File
Prior Sale	Mar 23, 2023 · Amount on File
Deed Document Number	2025751790
Deed Book / Page	2441 / 583
Prior Transfer Date	Dec 5, 2012
Prior Transfer Doc	0016770468
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Nov 20, 2023
Property Address	297 CIRCLE DR W, VILAS, NC 28692-9567
Document Number	0023610308
Book / Page	2361 / 308
Instrument Date	Nov 20, 2023
Instrument	736404
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1917 WHEELERBROOK CT, RALEIGH, NC 27603-5184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 WHEELERBROOK CT, RALEIGH, NC 27603-5184

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 23, 2023
Property Address	297 CIRCLE DR W, VILAS, NC 28692-9567
Document Number	0023240822
Book / Page	2324 / 822
Instrument Date	Mar 21, 2023
Instrument	729505
Transaction Type	Transfer
Record Updated	Apr 3, 2023

Transaction

Amount	Amount on Record
Tax	$707.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	612 LITTLE TEXAS RD, TRAVELERS REST, SC 29690-9567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 WHEELERBROOK CT, RALEIGH, NC 27603-5184

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	297 CIRCLE DR W, VILAS, NC 28692-9567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021360774
Date	Oct 28, 2020
Book Page	2136/774
Instrument	697393

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 27, 2018
Property Address	297 CIRCLE DR W, VILAS, NC 28692-9567
Document Number	0019650644
Book / Page	001965 / 000644
Instrument Date	Mar 20, 2018
Instrument	667290
Transaction Type	Transfer
Record Updated	Apr 9, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	297 CIRCLE DR W VILAS NC 286929567, VILAS, NC 28692-9567

Mortgage

Document Number	19650647
Date	Mar 27, 2018
Book Page	001965/000647
Instrument	667291

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 297 Circle Dr W was $1,125, up 1% from the year before.

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,700 (-) Land $19,600 Building $255,100
2025	$1,125.00 (+0.99%)	$274,700 Land $19,600 Building $255,100
2024	$1,114.00		$274,700 Land $19,600 Building $255,100
2023		$274,700 Land $19,600 Building $255,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 297 Circle Dr W in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	7 (2013–2024)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims

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

Wildfire risk around 297 Circle Dr W is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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