319 Saint Andrews Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 319 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,048 sqft · built 2004
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,128 (2025)
Deeds & Mortgages	Sep 2025 Transfer Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1940-99-8540-000`

Property Details

APN / Parcel Number

Primary APN	`1940-99-8540-000`
Alternative APNs	`1583699` `1867953`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
1st Floor Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	192 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	1867953
Street Address	319 SAINT ANDREWS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	GGGC-L 083 REVISED
Legal Subdivision	REVISED
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1023
Census Tract	921000

Owner

319 Saint Andrews Rd is owned by two individuals who acquired it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	560 INDIGO AVE, WELLINGTON, FL 33414-8157
Owner Type	Individual
Vesting	Life Estate

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
Sep 26, 2025	Intrafamily Transfer, Transfer
Dec 23, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 26, 2025
Transfer Doc	0024520487
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Sep 26, 2025
Property Address	319 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8215
Document Number	0024520487
Book / Page	2452 / 487
Map Reference	MB 5 PG 211
Instrument Date	Sep 26, 2025
Instrument	753833
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	560 INDIGO AVE, WELLINGTON, FL 33414-8157

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	560 INDIGO AVE, WELLINGTON, FL 33414-8157

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	319 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020670478
Date	Dec 23, 2019
Book Page	2067/0478
Instrument	685892

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 11, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 319 Saint Andrews Rd was $2,128, down 66.6% from the year before.

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		$633,300 (-) Land $46,400 Building $586,900
2025	$2,128.00 (-66.6%)	$633,300 (-2.19%) Land $46,400 Building $586,900
2024	$6,371.00	$647,500 (-) Land $46,400 Building $601,100	$647,500 Land $46,400 Building $601,100
2023		$647,500 Land $46,400 Building $601,100

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

Flood

FEMA maps place 319 Saint Andrews Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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

Wildfire risk around 319 Saint Andrews Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% 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	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 41 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 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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