310 Farm Loop Rd, Banner Elk, NC 28604 Property Records

Avery County property record for 310 Farm Loop Rd, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,950 sqft · built 2004
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Jun 2017)
Tax Bill	$5,935 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33433`

Property Details

APN / Parcel Number

Primary APN	`33433`
Alternative APN	`18580768566500000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,950 sqft Heated Area
Basement Area	1,002 sqft
Finished Basement	842 sqft
Unfinished Basement	160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	6 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Composition/Composite
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	586 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	33433
Street Address	310 FARM LOOP RD
City	BANNER ELK
State	NC
Zip	28604-6768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THE FARM LOT 14 PLAT 38-304A
Legal Subdivision	THE FARM
Legal Lot Number	14
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1038
Census Tract	930100

Owner

310 Farm Loop Rd is owned and occupied by two individuals who bought it in June 2017.

Source: Avery County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	310 FARM LOOP RD, BANNER ELK, NC 28604-6768
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jun 15, 2017	Deed of Trust, Mortgage · Conventional with PMI UNITED CMNTY MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2017 · Amount on File
Deed Sale	Jun 16, 2017 · Amount on File
Deed Document Number	0005092129
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	310 FARM LOOP RD, BANNER ELK, NC 28604-6768
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 FARM LOOP RD, BANNER ELK, NC 28604-6768

Mortgage

Document Number	0000000608
Date	Feb 13, 2026
Book Page	617/1302
Instrument	2026000608

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	PO BOX 670, BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	310 FARM LOOP RD, BANNER ELK, NC 28604-6768
Document Number	0005092132
Book / Page	000509 / 002132
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	310 FARM LOOP RD BANNER ELK NC 286046768, BANNER ELK, NC 28604-6768

Mortgage

Document Number	0005092132
Date	Jun 16, 2017
Book Page	000509/002132
Instrument	2162

Lender

Name	UNITED CMNTY MTG SVCS
Type	Mortgage Company
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 310 Farm Loop Rd was $5,935.

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Banner Elk Town
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,935.00	$690,200 Land $106,300 Building $583,900	$690,200 Land $106,300 Building $583,900
2023	$2,760.00	$690,200 (-) Land $106,300 Building $583,900	$690,200 (-) Land $106,300 Building $583,900
2022	$2,760.00	$690,200 Land $106,300 Building $583,900	$690,200 Land $106,300 Building $583,900

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

Flood

FEMA maps place 310 Farm Loop Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · 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 File median of 43 individual policies
Nearby Flood Policies	47 units insured incl. 4 condo units
Nearby Flood Claims	16 (1995–2024)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Hurricane Ivan, Sep 2004 · 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 310 Farm Loop Rd is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	LEES-MCRAE -SOUTH CAMPUS private · serves 99 people · EPA ID NC0106422
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 18 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

Cell Coverage

5G (outdoors only) and 4G LTE

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