297 Elm, Boone, NC 28607 Property Records

Watauga County property record for 297 Elm, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,971 sqft · built 1969
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$329,000 (Jun 2018)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1899-24-4364-000`

Property Details

APN / Parcel Number

Primary APN	`1899-24-4364-000`
Alternative APN	`1782260`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,971 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Wood Shingle
Lot Area	19,602 sqft (0.45 acres)
Porch	Porch
Porch Area	432 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	1782260
Street Address	297 ELM
City	BOONE
State	NC
Zip	28607-5762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 BLK 12 HOUND EARS
Legal Subdivision	HOUND EARS
Legal Block	12
Legal Lot Number	23
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	1
Census Block	1040
Census Tract	920602

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	708 HAWICK RD, RALEIGH, NC 27615-1251
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 7, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2018 · Amount on Record
Deed Sale	Jun 7, 2018 · Amount on Record
Prior Sale	Feb 28, 2006 · Amount on Record
Deed Document Number	2018669350
Deed Book / Page	1976 / 448
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	297 ELM, BOONE, NC 28607-5762
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023360525
Date	Jun 12, 2023
Book Page	2336/525
Instrument	731777

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	297 ELM, BOONE, NC 28607-5762
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023090064
Date	Nov 23, 2022
Book Page	2309/64
Instrument	726506

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BOONE, NC 28607

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	297 ELM, BOONE, NC 28607-5762
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020950821
Date	Jun 1, 2020
Book Page	2095/821
Instrument	690718

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jun 7, 2018
Property Address	297 ELM, BOONE, NC 28607-5762
Document Number	0019760448
Book / Page	1976 / 0448
Map Reference	MB4 PG32
Instrument Date	Jun 7, 2018
Instrument	669350
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$658.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	341 BAY HARBOUR RD, 341, MOORESVILLE, NC 28117-3507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 HAWES CT APT D, D, RALEIGH, NC 27608-1747

Mortgage

Document Number	0019760452
Date	Jun 7, 2018
Book Page	1976/0452
Instrument	669351

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

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		$466,600 (-) Land $101,200 Building $365,400
2025	$1,832.00	$466,600 (-) Land $101,200 Building $365,400
2024			$466,600 Land $101,200 Building $365,400
2023		$466,600 Land $101,200 Building $365,400

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

Flood

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
Flood Insurance Cost	Premium on Record median of 23 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 units insured incl. 8 condo units
Nearby Flood Claims	8 (1979–2024)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.05% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOUND EARS WATER SYSTEM private · serves 975 people · EPA ID NC0195112
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T.

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