356 Upper Reach Dr, Vilas, NC 28692 Property Records

Watauga County property record for 356 Upper Reach Dr, Vilas, NC 28692

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,890 sqft · built 2006
Lot Size	3.19 acres (138,956 sqft)
Owner	Company Name on Record
Last Sale	$1,020,000 (Dec 2022)
Tax Bill	$1,945 (2025)
Deeds & Mortgages	Feb 2023 Transfer Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1964-89-9121-000`

Property Details

APN / Parcel Number

Primary APN	`1964-89-9121-000`
Alternative APNs	`1761878` `1856643` `1857354`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,890 sqft Living Area
1st Floor Area	1,221 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	138,956 sqft (3.19 acres)
Garage Area	638 sqft
Porch	Porch
Porch Area	472 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	1857354
Street Address	356 UPPER REACH DR
City	VILAS
State	NC
Zip	28692-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BEAVER DAM UPPER REACH ADDITION
Legal Subdivision	BEAVER DAM UPPER REACH ADDITION
Legal Lot Number	3
Jurisdiction	WATAUGA NC
Township / Civil Division	BEAVERDAM
Census Block Group	1
Census Block	1006
Census Tract	920200

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	Company Name on Record
Mailing Address	356 UPPER REACH DR, VILAS, NC 28692-9759
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Intrafamily Transfer, Transfer
Dec 2, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2022 · Amount on Record
Deed Sale	Dec 2, 2022 · Amount on Record
Prior Sale	Mar 1, 2016 · Amount on Record
Deed Document Number	2022726716
Deed Book / Page	2310 / 112
Last Transfer Date	Feb 21, 2023
Transfer Doc	0023200498
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Feb 22, 2023
Property Address	356 UPPER REACH DR, VILAS, NC 28692-9759
Document Number	0023200498
Book / Page	2320 / 498
Map Reference	MB 17 PG 347
Instrument Date	Feb 21, 2023
Instrument	728715
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	356 UPPER REACH DR, VILAS, NC 28692-9759

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	356 UPPER REACH DR, VILAS, NC 28692-9759

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Dec 2, 2022
Property Address	356 UPPER REACH DR, VILAS, NC 28692-9759
Document Number	0023100112
Book / Page	2310 / 112
Map Reference	MB 17 PG 347
Instrument Date	Nov 21, 2022
Instrument	726716
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,040.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 UPPER REACH DR, VILAS, NC 28692-9759

Mortgage

Document Number	0000726717
Date	Dec 2, 2022
Instrument	726717

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Dec 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	5-Year TN
Max Rate	10.7%

Tax Assessment & Valuation

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		$497,300 (-) Land $46,100 Building $451,200
2025	$1,945.00 (+0.62%)	$497,300 (-) Land $46,100 Building $451,200
2024	$1,933.00		$497,300 Land $46,100 Building $451,200
2023		$497,300 Land $46,100 Building $451,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	18 (1989–2024)
Claims Outside the SFHA	3 of 18
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 12 claims Hurricane Ivan, 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

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

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	0.1% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

No cell data coverage reported

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