331 Cloudrise Ln, Banner Elk, NC 28604 Property Records

Watauga County property record for 331 Cloudrise Ln, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,560 sqft · built 2001
Lot Size	3.11 acres (135,472 sqft)
Owner	Trust Name on File
Last Sale	$710,000 (Mar 2022)
Tax Bill	$1,845 (2025)
Deeds & Mortgages	Feb 2023 Transfer Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1889-89-2859-000`

Property Details

APN / Parcel Number

Primary APN	`1889-89-2859-000`
Alternative APNs	`1767400` `1850780` `1857299`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
1st Floor Area	1,280 sqft
Basement Area	640 sqft
Finished Basement	640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Rustic
Exterior Material	Logs
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	135,472 sqft (3.11 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	240 sqft
Patio Area	596 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1857299
Street Address	331 CLOUDRISE LN
City	BANNER ELK
State	NC
Zip	28604-7926
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	4
Census Block	4012
Census Tract	920900

Owner

331 Cloudrise Ln is held in a trust since February 2023.

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

Owner of Record	Trust Name on File
Mailing Address	PO BOX 8734, CLEARWATER, FL 33758-8734
Owner Type	Company
Vesting	Trust

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
Feb 14, 2023	Intrafamily Transfer, Transfer
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 30, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2022 · Amount on File
Deed Sale	Mar 14, 2022 · Amount on File
Prior Sale	Mar 30, 2017 · Amount on File
Deed Document Number	2022718002
Deed Book / Page	2261 / 363
Last Transfer Date	Feb 7, 2023
Transfer Doc	0023190617
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Feb 14, 2023
Property Address	331 CLOUDRISE LN, BANNER ELK, NC 28604-7926
Document Number	0023190617
Book / Page	2319 / 617
Instrument Date	Feb 7, 2023
Instrument	728548
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	375 LA HACIENDA DR, INDIAN ROCKS BEACH, FL 33785-3716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1314, INDIAN ROCKS BEACH, FL 33785-1314

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	331 CLOUDRISE LN, BANNER ELK, NC 28604-7926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021440407
Date	Nov 23, 2020
Book Page	2144/407
Instrument	698711

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 30, 2017
Property Address	331 CLOUDRISE LN, BANNER ELK, NC 28604-7926
Document Number	0019110145
Book / Page	1911 / 0145
Instrument Date	Mar 25, 2017
Instrument	656940
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$682.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 CHATSWORTH LN, 1300, RALEIGH, NC 27614-9313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1786 VERDICT RIDGE DR, DENVER, NC 28037-5458

Mortgage

Document Number	0019110149
Date	Mar 30, 2017
Book Page	1911/0149
Instrument	656941

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 331 Cloudrise Ln was $1,845, up 23.4% 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		$470,200 (-) Land $55,000 Building $415,200
2025	$1,845.00 (+23.41%)	$470,200 Land $55,000 Building $415,200
2024	$1,495.00		$470,200 Land $55,000 Building $415,200
2023		$463,100 Land $55,000 Building $408,100

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

Flood

FEMA maps place 331 Cloudrise Ln in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1994.

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 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	26 (1994–2024)
Claims Outside the SFHA	13 of 26
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 7 claims Hurricane Ivan, Sep 2004 · 10 claims Tropical Storm Frances, Sep 2004 · 2 claims

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 331 Cloudrise Ln is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.08% 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 36 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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