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  5. Locust Gap Rd

342 Locust Gap Rd, Vilas, NC 28692 Property Records

Watauga County property record for 342 Locust Gap Rd, Vilas, NC 28692 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 4,800 sqft · built 1999
Lot Size19.7 acres (861,617 sqft)
Owner2 Individual Names on File
Last Sale$910,000 (Feb 2026)
Tax Bill$2,930 (2025)
Deeds & MortgagesFeb 2026 Sale & Mortgage
Sep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1965-45-6615-000

Property Details

APN / Parcel Number

Primary APN1965-45-6615-000
Alternative APN
  • 1816389

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures18 Plumbing Fixtures
Total Rooms10 Rooms
Stories1 Story
Building Area4,800 sqft Living Area
1st Floor Area1,996 sqft
Basement Area1,404 sqft
Finished Basement1,404 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Architectural StyleConventional
Exterior MaterialWood
Construction TypeFrame
Roof MaterialMetal
Lot Area861,617 sqft (19.7 acres)
Garage TypeBasement
Garage Area1,500 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area916 sqft
Patio Area548 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelGas

Location & Zoning

Account Number1816389
Street Address342 LOCUST GAP RD
CityVILAS
StateNC
Zip28692-8434
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOCUST GAP RD
JurisdictionWATAUGA NC
Township / Civil DivisionBEAVERDAM
Census Block Group2
Census Block2000
Census Tract920200

Owner

Source: Watauga County records · APN 1965-45-6615-000

Assessment roll updated December 2, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4521 1ST ST NW, HICKORY, NC 28601-9660
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Feb 05, 2026Warranty Deed, Transfer · Conventional Mortgage
STATE EMPLOYEES CU
Sep 30, 2020Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 05, 2026 · Amount on Record
Deed SaleFeb 05, 2026 · Amount on Record
Prior SaleSep 30, 2020 · Amount on Record
Deed Document Number2026757330
Deed Book / Page2471 / 576
Record UpdatedSep 20, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateFeb 05, 2026
Property Address342 LOCUST GAP RD, VILAS, NC 28692-8434
Document Number0024710576
Book / Page2471 / 576
Instrument DateJan 14, 2026
Instrument757330
Transaction TypeTransfer
Record UpdatedFeb 23, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address136 DAY DR, BOONE, NC 28607-7129

Transferred To (Grantee/Buyer)

NameVerified Name
Address4521 1ST ST NW, HICKORY, NC 28601-9660

Mortgage

Document Number0000757331
DateFeb 05, 2026
Instrument757331
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5%
Type Change DateMar 01, 2031
Change Frequency5 Years
Min Rate At Change3%
Max Rate At Change7%
Index5-Year TN
Max Rate11%

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateSep 30, 2020
Property Address342 LOCUST GAP RD, VILAS, NC 28692-8434
Document Number0021280136
Book / Page2128 / 136
Instrument DateSep 29, 2020
Instrument696017
Transaction TypeTransfer
Record UpdatedSep 21, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,340.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 92, SUGAR GROVE, NC 28679-0092

Mortgage

Document Number696018
DateSep 30, 2020
Instrument696018
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyWatauga County
Unified School DistrictWatauga County Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,930.00$733,800 (+5.01%) Land $128,600 Building $605,200
2024$733,800 Land $128,600 Building $605,200
2023$698,800 Land $128,600 Building $570,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371899202002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskModerate
above 56% of the US · above 78% of North Carolina
Wildfire LikelihoodAbout 1 in 704 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
Loretto Telephone CompanyFiber2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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