324 Pinnacle Dr, Boone, NC 28607 Property Records

Watauga County property record for 324 Pinnacle Dr, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,932 sqft · built 1997
Lot Size	0.688 acres (29,969 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,351 (2025)
Deeds & Mortgages	Nov 2025 Reverse Mortgage Sep 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2901-41-2008-000`

Property Details

APN / Parcel Number

Primary APN	`2901-41-2008-000`
Alternative APNs	`1526615` `1868469`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	29,969 sqft (0.688 acres)
Porch	Porch
Porch Area	204 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1868469
Street Address	324 PINNACLE DR
City	BOONE
State	NC
Zip	28607-3435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E2R2
Legal Description	LOT 39-50 PAYNE SUB
Legal Subdivision	PAYNE SUB
Legal Lot Number	39-50
Jurisdiction	WATAUGA NC
Township / Civil Division	BRUSHY FORK
Census Block Group	3
Census Block	3000
Census Tract	920400

Owner

324 Pinnacle Dr is owned and occupied by two individuals who acquired it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	324 PINNACLE DR, BOONE, NC 28607-3435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 13, 2025	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Sep 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 13, 2019	Warranty Deed, Transfer NOT AVAILABLE
Sep 18, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 7, 2025
Transfer Doc	0024600226
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Nov 13, 2025
Property Address	324 PINNACLE DR, BOONE, NC 28607-3435
Document Number	0024600226
Book / Page	2460 / 226
Map Reference	MB 3 PG 25
Instrument Date	Nov 7, 2025
Instrument	755282
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 PINNACLE DR, BOONE, NC 28607-3435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 PINNACLE DR, BOONE, NC 28607-3435

Mortgage

Document Number	0000755283
Date	Nov 13, 2025
Instrument	755283

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1002 Months
Due	May 26, 2109

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	324 PINNACLE DR, BOONE, NC 28607-3435
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019390652
Date	Sep 27, 2017
Book Page	1939/0652
Instrument	662333

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2032

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	324 PINNACLE DR, BOONE, NC 28607-3435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021410169
Date	Nov 10, 2020
Book Page	2141/169
Instrument	698152

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jun 13, 2019
Property Address	324 PINNACLE DR, BOONE, NC 28607-3435
Document Number	0020320341
Book / Page	002032 / 000341
Instrument Date	Jun 6, 2019
Instrument	679756
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$438.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4913 SALEM RIDGE RD HOLLY SPRINGS NC 275409162, HOLLY SPRINGS, NC 27540-9162

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	324 PINNACLE DR, BOONE, NC 28607-3435
Document Number	0019390666
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0019390666
Date	Sep 27, 2017
Book Page	001939/000666
Instrument	662334

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	BOONE, NC 28607

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 324 Pinnacle Dr was $1,351, up 0.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$327,200 (-) Land $23,900 Building $303,300
2025	$1,351.00 (+0.82%)	$327,200 Land $23,900 Building $303,300
2024	$1,340.00		$327,200 Land $23,900 Building $303,300
2023		$327,200 Land $23,900 Building $303,300

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

Flood

FEMA maps place 324 Pinnacle Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	4 of 5
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.

Wildfire

Wildfire risk around 324 Pinnacle Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 51% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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