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

Watauga County property record for 322 Pinnacle Ridge Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,504 sqft · built 1997
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Oct 2018)
Tax Bill	$1,886 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1940-58-2134-000`

Property Details

APN / Parcel Number

Primary APN	`1940-58-2134-000`
Alternative APNs	`1785629` `1864141`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,504 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	560 sqft
Finished Basement	560 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	Footing
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Patio Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1864141
Street Address	322 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	RIDGEVIEW WOOD 2 192
Legal Subdivision	RIDGEVIEW WOOD
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1019
Census Tract	921000

Owner

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	322 PINNACLE RIDGE RD, BEECH MOUNTAIN, NC 28604-8159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	2018683536
Deed Book / Page	1998 / 721
Last Transfer Date	Dec 6, 2024
Transfer Doc	0024160322
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Oct 24, 2018
Property Address	322 PINNACLE RIDGE RD, BANNER ELK, NC 28604
Document Number	0019980721
Book / Page	001998 / 000721
Instrument Date	Oct 19, 2018
Instrument	673536
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3304 FAWN HILL RD MATTHEWS NC 281057624, MATTHEWS, NC 28105-7624

Mortgage

Document Number	19980726
Date	Oct 24, 2018
Book Page	001998/000726
Instrument	673538

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

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		$562,100 (+0.92%) Land $15,100 Building $547,000
2025	$1,886.00 (-61.91%)	$557,000 (+43%) Land $15,100 Building $541,900
2024	$4,952.00		$500,900 Land $15,100 Building $485,800
2023		$389,500 Land $15,100 Building $374,400

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 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.

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 25 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

No cell data coverage reported

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