Watauga County property record for 321 Charter Hills Rd, Beech Mountain, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,480 sqft · built 1969 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $449,500 (Sep 2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1950-33-3415-000 |
| Primary APN | 1950-33-3415-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| 1st Floor Area | 500 sqft |
| Attic | Attic |
| Attic Area | 500 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Metal |
| Lot Area | 11,326 sqft (0.26 acres) |
| Porch | Porch |
| Porch Area | 348 sqft |
| Patio Area | 568 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Water Source | Commercial |
| Account Number | 1867913 |
|---|---|
| Street Address | 321 CHARTER HILLS RD |
| City | BEECH MOUNTAIN |
| State | NC |
| Zip | 28604-8041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHARTER HILLS A 065 |
| Legal Subdivision | CHARTER HILLS |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | LAUREL CREEK |
| Census Block Group | 1 |
| Census Block | 1084 |
| Census Tract | 921000 |
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 | 463 SW TARRA AVE, PORT SAINT LUCIE, FL 34953-6008 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2023 | Deed of Trust, Mortgage · Line of Credit NEW PEOPLES BANK INC |
| Sep 23, 2025 | Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Apr 4, 2022 | Warranty Deed, Construction Loan · Construction Mortgage JET FUNDING GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on Record |
| Deed Sale | Sep 23, 2025 · Amount on Record |
| Prior Sale | Apr 4, 2022 · Amount on Record |
| Deed Document Number | 2025753742 |
| Deed Book / Page | 2451 / 901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 321 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8041 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 372 CLUB DR, GASTONIA, NC 28054-3929 |
| Document Number | 0023290296 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | 2329/296 |
| Instrument | 730365 |
| Name | NEW PEOPLES BANK INC |
|---|---|
| Type | Bank |
| Address | BOONE, NC 28607 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Sep 23, 2025 |
| Property Address | 321 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8041 |
| Document Number | 0024510901 |
| Book / Page | 2451 / 901 |
| Map Reference | MB 4 PG 39 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 753742 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $899.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 463 SW TARRA AVE, PORT ST LUCIE, FL 34953-6008 |
| Document Number | 0000753743 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 753743 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Apr 4, 2022 |
| Property Address | 321 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8041 |
| Document Number | 0022650816 |
| Book / Page | 2265 / 816 |
| Map Reference | MB 4 PG 39 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 718748 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4021 COQUINA DR, 4021, JACKSONVILLE BEACH, FL 32250-2232 |
| Name | Verified Name |
|---|---|
| Address | 3 UNION ST S STE 210, 210, CONCORD, NC 28025-5288 |
| Document Number | 0000718749 |
|---|---|
| Date | Apr 4, 2022 |
| Instrument | 718749 |
| Name | JET FUNDING GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Sep 24, 2022 |
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Beech Mountain Town |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $321,700 (-) Land $16,900 Building $304,800 | |
| 2025 | $321,700 (-) Land $16,900 Building $304,800 | |
| 2024 | $321,700 (-) Land $16,900 Building $304,800 | $321,700 Land $16,900 Building $304,800 |
| 2023 | $321,700 Land $16,900 Building $304,800 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 178 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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