Avery County property record for 317 Cloud Spring Dr, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,229 sqft · built 2022 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,801,000 (Jul 2024) |
| Tax Bill | $5,783 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 81770 |
| Primary APN | 81770 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,229 sqft Heated Area |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Lot Area | 29,621 sqft (0.68 acres) |
| Porch | Open Porch |
| Deck Area | 358 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 81770 |
|---|---|
| Street Address | 317 CLOUD SPRING DR |
| City | BANNER ELK |
| State | NC |
| Zip | 28604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | SM SUGAR POINTE LOT 214 PLAT 40-71 |
| Legal Subdivision | SM SUGAR POINTE |
| Legal Lot Number | 214 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 930200 |
Source: Avery County records · APN 81770
Assessment roll updated January 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5443 NC 126, MORGANTON, NC 28655-7564 |
| Owner Type | Individual, Secondary Company |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 01, 2024 · Amount on Record |
| Deed Sale | Jul 01, 2024 · Amount on Record |
| Prior Sale | Mar 20, 2007 · Amount on Record |
| Deed Document Number | 0006001773 |
| Deed Book / Page | 600 / 1773 |
| Record Updated | Jun 08, 2026 |
Source: Avery County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Sugar Mountain Village |
| Unified School District | Avery County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,783.00 (+255.88%) | $850,500 (+109.33%) Land $117,500 Building $733,000 | $850,500 (+109.33%) Land $117,500 Building $733,000 |
| 2023 | $1,625.00 | $406,300 Land $117,500 Building $288,800 | $406,300 Land $117,500 Building $288,800 |
Source: FEMA National Flood Hazard Layer as of January 9, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 16 (1997–2024) |
| Claims Outside the SFHA | 13 of 16 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Loretto Telephone Company.
Based on FCC filings for 58 locations within half a mile of this property.
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