Watauga County property record for 320 Hade Smith Dr, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,786 sqft · built 1840 |
| Lot Size | 1.75 acres (76,230 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $439,601 (Oct 2012) |
| Tax Bill | $1,578 (2025) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1869-67-5584-000 |
| Primary APN | 1869-67-5584-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,786 sqft Living Area |
| 1st Floor Area | 578 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 76,230 sqft (1.75 acres) |
| Garage Type | Detached |
| Garage Area | 636 sqft |
| Porch | Porch |
| Porch Area | 358 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1736786 |
|---|---|
| Street Address | 320 HADE SMITH DR |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-7839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | SHAWNEEHAW |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 920900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 320 HADE SMITH DR, BANNER ELK, NC 28604-7839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 5, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2012 · Amount on Record |
| Deed Sale | Oct 31, 2012 · Amount on Record |
| Prior Sale | May 10, 2006 · Amount on Record |
| Deed Document Number | 2012609923 |
| Deed Book / Page | 1663 / 785 |
| Prior Transfer Date | Oct 22, 2012 |
| Prior Transfer Doc | 0016630785 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 320 HADE SMITH DR, BANNER ELK, NC 28604-7839 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0023740237 |
|---|---|
| Date | Mar 5, 2024 |
| Book Page | 2374/237 |
| Instrument | 738954 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 320 HADE SMITH DR, BANNER ELK, NC 28604-7839 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0021650387 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 2165/387 |
| Instrument | 702109 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Mar 1, 2035 |
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $397,800 (-) Land $44,300 Building $353,500 | ||
| 2025 | $1,578.00 (+0.7%) | $397,800 (-) Land $44,300 Building $353,500 | |
| 2024 | $1,567.00 | $397,800 Land $44,300 Building $353,500 | |
| 2023 | $397,800 Land $44,300 Building $353,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2004–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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.
Source: FCC Broadband Data Collection, based on 14 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: Verizon.
5G and 4G LTE (outdoors only)
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