314 Bear Creek Ln, Deep Gap, NC 28618 Property Records

Watauga County property record for 314 Bear Creek Ln, Deep Gap, NC 28618

Property Summary

Property Type	Manufactured or Modular Home
Details	4 bd · 3 ba · 2,052 sqft · built 2004
Lot Size	7.47 acres (325,393 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,500 (Jul 2020)
Tax Bill	$987 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2971-10-6198-000`

Property Details

APN / Parcel Number

Primary APN	`2971-10-6198-000`
Alternative APN	`1814995`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
1st Floor Area	2,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	325,393 sqft (7.47 acres)

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Patio Area	360 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1814995
Street Address	314 BEAR CREEK LN
City	DEEP GAP
State	NC
Zip	28618-9770
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	LOT 17 PATTONS RIDGE
Legal Subdivision	PATTONS RIDGE ACRES
Legal Lot Number	17
Jurisdiction	WATAUGA NC
Township / Civil Division	STONY FORK
Census Block Group	1
Census Block	1000
Census Tract	920702

Owner

Source: Watauga County records, as of October 13, 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	314 BEAR CREEK LN, DEEP GAP, NC 28618-9770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jul 30, 2020	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC
May 12, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK
Mar 1, 2019	Trustee's Deed, Foreclosure · Construction Mortgage ROBERT GILLMAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Mar 1, 2019 · Amount on Record
Deed Document Number	2020693101
Deed Book / Page	2110 / 275
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Recording Date	May 12, 2026
Property Address	314 BEAR CREEK LN, DEEP GAP, NC 28618-9770
Document Number	0000759677
Book / Page	2484 / 805
Instrument Date	Mar 30, 2026
Instrument	2026759677
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SOURCEPOINT FULFILLMENT SERVICES, SOURCEPOINT FULFILLMENT SERV

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000759677,
Date	May 12, 2026
Book Page	2484/805
Instrument	2026759677

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 30, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	314 BEAR CREEK LN, DEEP GAP, NC 28618-9770
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020810179
Date	Mar 17, 2020
Book Page	2081/179
Instrument	688391

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jul 30, 2020
Property Address	314 BEAR CREEK LN, DEEP GAP, NC 28618-9770
Document Number	0021100275
Book / Page	2110 / 275
Map Reference	MB 14 PG 272
Instrument Date	Jul 30, 2020
Instrument	693101
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 216, DEEP GAP, NC 28618-0216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 BEAR CREEK LN, DEEP GAP, NC 28618-9770

Mortgage

Document Number	693102
Date	Jul 30, 2020
Instrument	693102

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	314 BEAR CREEK LN, DEEP GAP, NC 28618-9770
Document Number	0020930766
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 BEAR CREEK LN DEEP GAP NC 286189770, DEEP GAP, NC 28618-9770

Mortgage

Document Number	0020930766
Date	May 21, 2020
Book Page	002093/000766
Instrument	690398

Lender

Name	TRUIST BK
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 1, 2019
Property Address	314 BEAR CREEK LN, DEEP GAP, NC 28618-9770
Document Number	0020160007
Book / Page	002016 / 000007
Instrument Date	Nov 18, 2018
Instrument	676767
Transaction Type	Foreclosure
Record Updated	Mar 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$214.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 216 DEEP GAP NC 286180216, DEEP GAP, NC 28618-0216

Mortgage

Document Number	20160010
Date	Mar 1, 2019
Book Page	002016/000010
Instrument	676768

Lender

Name	ROBERT GILLMAN
Address	355 CHESTNUT KNOB RD, BOONE, NC 28607-7990

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 29, 2020

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		$237,200 (-) Land $55,000 Building $182,200
2025	$987.00 (+1.13%)	$237,200 (-) Land $55,000 Building $182,200
2024	$976.00		$237,200 Land $55,000 Building $182,200
2023		$237,200 Land $55,000 Building $182,200

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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2024)
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

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

Wildfire Risk	Moderate above 40% of the US · above 58% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

May also be available: RiverStreet Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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