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381 Cloud Spring Dr, Sugar Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 381 Cloud Spring Dr, Sugar Mountain, NC 28604 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms6 Beds
Bathrooms5 Baths
Year BuiltBuilt 2007
Square Footage4,320 sqft Heated Area
Lot Size30,492 sqft (0.7 acres)
Garage312 sqft
Last Sale$1,790,000 (2022)
Tax Bill$5,829.00 (2025)

Property Details

APN / Parcel Number

Primary APN78643
Alternative APNs
  • 18570004382400000
  • 70428

Interior

Bedrooms6 Beds
Full Baths5 Baths
Partial Baths1 Partial Baths
Building Area4,320 sqft Heated Area
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureCustom/Decorative Interior Structure
FireplaceFireplace
Fireplaces6 Fireplaces

Exterior

Year BuiltBuilt 2007
Exterior MaterialWood Shingle Exterior
Foundation TypeFooting Foundation
Roof ConstructionCathedral/Clerestory Roof Construction
Roof MaterialAsphalt Roof
Lot Area30,492 sqft (0.7 acres)
Parking Spaces1 Parking Spaces
Garage Area312 sqft Garage

Exterior Amenities

Deck Area396 sqft Deck
Patio Area396 sqft Patio
PorchOpen Porch
Porch Area600 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHeat Pump Heating
Heating FuelGas Heating Fuel

Location & Zoning

Account Number78643
Street Address381 CLOUD SPRING DR
CitySUGAR MOUNTAIN
StateNC
Zip28604-7808
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSM SUGAR POINTE LOT 211 PLAT 40-72
Legal SubdivisionSM SUGAR POINTE
Legal Lot Number211
JurisdictionAVERY NC
Minor Civil DivisionBANNER ELK
Census Blockgroup1
Census Block1040
Census Tract930200

Owner

Source: Avery County records · APN 78643

Assessment roll updated January 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3582 FARMSTONE CT, KANNAPOLIS, NC 28081-6706
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 27, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED COMMUNITY BANK
Sep 03, 2019Deed of Trust, Mortgage · Line of Credit
SOUTH ST BK
Jun 24, 2019Warranty Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 27, 2022 · Amount on Record
Deed SaleSep 27, 2022 · Amount on Record
Prior SaleJun 24, 2019 · Amount on Record
Deed Doc Number0000582602
Deed Book / Page582 / 602
Record RefreshedJun 08, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionAVERY NC
Recording DateSep 27, 2022
Property Address381 CLOUD SPRING DR, SUGAR MOUNTAIN, NC 28604-7808
Document Number0000005595
Book / Page582 / 602
Map ReferenceMB 40 PG 88
Instrument DateSep 21, 2022
Instrument2022005595
Transaction TypeTransfer
Record UpdatedFeb 14, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,580.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address10107 TRUELIGHT CHURCH RD, MINT HILL, NC 28227-4514

Transferred To (Grantee/Buyer)

NameVerified Name
Address3582 FARMSTONE CT, KANNAPOLIS, NC 28081-6706
InvestorPossibly a Property Investor

Mortgage

Document Number0000582606
DateSep 27, 2022
Instrument582/606
Lender
NameUNITED COMMUNITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAVERY NC
Property Address381 CLOUD SPRING DR, SUGAR MOUNTAIN, NC 28604-7808
Document Number0005350076
Instrument DateSep 03, 2019
Transaction TypeMortgage
Record UpdatedSep 20, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address261 NC HWY 24/27 MIDLAND NC 28107, MIDLAND, NC 28107

Mortgage

Document Number0005350076
DateSep 11, 2019
Book Page000535/000076
Instrument4062
Lender
NameSOUTH ST BK
TypeBank
AddressCHARLESTON, SC 29423-9910
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueSep 10, 2024
Interest
Rate TypeAdjustable Rate

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionAVERY NC
Recording DateJun 24, 2019
Property Address381 CLOUD SPRING DR, SUGAR MOUNTAIN, NC 28604-7808
Document Number0005320257
Book / Page000532 / 000257
Instrument DateJun 20, 2019
Instrument2498
Transaction TypeTransfer
Record UpdatedJul 02, 2019
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount Recorded
Tax$1,700.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address261 HIGHWAY 24 27 W MIDLAND NC 281077505, MIDLAND, NC 28107-7505

Tax Assessment & Valuation

Source: Avery County records · Assessment roll updated January 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyAvery County
MunicipalitySugar Mountain Village
Unified School DistrictAvery County Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,829.00 (+69.99%)$857,300 (-) Land $90,000 Building $767,300$857,300 (-) Land $90,000 Building $767,300
2023$3,429.00$857,300 Land $90,000 Building $767,300$857,300 Land $90,000 Building $767,300

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