348 Cucumber Tree Ln, Banner Elk, NC 28604 Property Records

Watauga County property record for 348 Cucumber Tree Ln, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,913 sqft · built 2006
Lot Size	4.32 acres (188,397 sqft)
Owner	Company Name on File
Last Sale	$1,155,000 (Oct 2021)
Tax Bill	$3,986 (2025)
Deeds & Mortgages	Apr 2022 Sale Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1889-89-4609-000`

Property Details

APN / Parcel Number

Primary APN	`1889-89-4609-000`
Alternative APNs	`1889799461000` `1845294` `1852316`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,913 sqft Living Area
1st Floor Area	1,965 sqft
Basement Area	1,965 sqft
Finished Basement	1,965 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Rustic
Exterior Material	Logs
Lot Area	188,397 sqft (4.32 acres)
Garage Type	Carport
Garage Area	425 sqft
Carport	Carport
Carport Area	425 sqft
Porch	Porch
Porch Area	580 sqft
Patio Area	2,188 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1852316
Street Address	348 CUCUMBER TREE LN
City	BANNER ELK
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T-2 P022/399
Legal Tract	2
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	4
Census Block	4012
Census Tract	920900

Owner

348 Cucumber Tree Ln is owned by a company that bought it in October 2021.

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

Owner of Record	Company Name on File
Mailing Address	728 FAIRWAY POINT DR, FORT MILL, SC 29708-8576
Owner Type	Company
Vesting	Company

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
Apr 28, 2022	Warranty Deed, Transfer
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Aug 31, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Feb 22, 2018	Deed of Trust, Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Prior Sale	Aug 31, 2018 · Amount on File
Deed Document Number	2021712754
Deed Book / Page	2229 / 484
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Apr 28, 2022
Property Address	348 CUCUMBER TREE LN, BANNER ELK, NC 28604
Document Number	0022700462
Book / Page	2270 / 462
Map Reference	MB 22 PG 399
Instrument Date	Apr 21, 2022
Instrument	719602
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 FAIRWAY POINT DR, FORT MILL, SC 29708-8576

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Oct 19, 2021
Property Address	348 CUCUMBER TREE LN, BANNER ELK, NC 28604
Document Number	0022290484
Book / Page	2229 / 484
Map Reference	MB 22 PG 399
Instrument Date	Oct 14, 2021
Instrument	712754
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1108 DOVER RDC, 1108, GREENSBORO, NC 27408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	728 FAIRWAY POINT DR, TEGA CAY, SC 29708-8576

Mortgage

Document Number	712755
Date	Oct 19, 2021
Instrument	712755

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 31, 2018
Property Address	348 CUCUMBER TREE LN, BANNER ELK, NC 28604
Document Number	0019900399
Book / Page	001990 / 000399
Instrument Date	Aug 30, 2018
Instrument	671945
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1108 DOVER RD #C GREENSBORO NC 274087321, C, GREENSBORO, NC 27408-7321

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	348 CUCUMBER TREE LN, BANNER ELK, NC 28604
Document Number	0019820868
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 CUCUMBER TREE LN BANNER ELK NC 28604, BANNER ELK, NC 28604

Mortgage

Document Number	0019820868
Date	Jul 18, 2018
Book Page	001982/000868
Instrument	670555

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 348 Cucumber Tree Ln was $3,986.

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		$1,052,000 (-) Land $131,900 Building $920,100
2025	$3,986.00	$1,052,000 Land $131,900 Building $920,100
2024			$1,052,000 Land $131,900 Building $920,100
2023		$1,052,000 Land $131,900 Building $920,100

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

Flood

FEMA maps place 348 Cucumber Tree 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 348 Cucumber Tree 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

Nearby Properties on Cucumber Tree Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures