319 Pinnacle Ridge Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 319 Pinnacle Ridge Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,792 sqft · built 1997
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$570,000 (Apr 2025)
Tax Bill	$1,232 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`1940-57-4722-000`

Property Details

APN / Parcel Number

Primary APN	`1940-57-4722-000`
Alternative APNs	`1785689` `1865891`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Patio Area	284 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1865891
Street Address	319 PINNACLE RIDGE RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	LAUREL GAP 276
Legal Subdivision	LAUREL GAP
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1034
Census Tract	921000

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 File
Mailing Address	3056 SAWYER RIDGE CT, JACKSONVILLE, FL 32223-1652
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2025	Warranty Deed, Transfer · FHA Mortgage ZILLOW HOME LOANS LLC
Oct 29, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2025 · Amount on File
Deed Sale	Apr 25, 2025 · Amount on File
Prior Sale	Oct 29, 2018 · Amount on File
Deed Document Number	2025749467
Deed Book / Page	2428 / 590
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Apr 25, 2025
Property Address	319 PINNACLE RIDGE RD, BEECH MOUNTAIN, NC 28604-8159
Document Number	0024280590
Book / Page	2428 / 590
Map Reference	MB 6 PG 227
Instrument Date	Apr 23, 2025
Instrument	749467
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 727, BANNER ELK, NC 28604-0727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3056 SAWYER RIDGE CT, JACKSONVILLE, FL 32223-1652

Mortgage

Document Number	0000749468
Date	Apr 25, 2025
Instrument	749468

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Oct 29, 2018
Property Address	319 PINNACLE RIDGE RD, BANNER ELK, NC 28604
Document Number	0019990559
Book / Page	001999 / 000559
Instrument Date	Oct 19, 2018
Instrument	673687
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$404.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 727 BANNER ELK NC 286040727, BANNER ELK, NC 28604-0727

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$351,400 (-) Land $13,100 Building $338,300
2025	$1,232.00	$351,400 (-) Land $13,100 Building $338,300
2024			$351,400 Land $13,100 Building $338,300
2023		$351,400 Land $13,100 Building $338,300

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 File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2020

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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	TOWN OF BEECH MOUNTAIN serves 2,468 people · EPA ID NC0195104
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 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

4G LTE (outdoors only), no 5G reported

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