Watauga County property record for 402 Charter Hills Rd, Beech Mountain, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 750 sqft · built 1979 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (May 2023) |
| Tax Bill | $765 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage May 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1950-33-3730-000 |
| Primary APN | 1950-33-3730-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 750 sqft Living Area |
| 1st Floor Area | 750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Patio Area | 328 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Account Number | 1858115 |
|---|---|
| Street Address | 402 CHARTER HILLS RD |
| City | BEECH MOUNTAIN |
| State | NC |
| Zip | 28604-8042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BMR2 |
| Legal Description | LOT 069 A CHARTER HILLS |
| Legal Subdivision | CHARTER HILLS |
| Legal Lot Number | 69 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | LAUREL CREEK |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 921000 |
402 Charter Hills Rd is owned by two individuals who bought it in May 2023.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7483 POULICNY LN, MELBOURNE, FL 32940-7716 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COASTAL FEDERAL CREDIT UNION |
| May 8, 2023 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Jul 7, 2022 | Warranty Deed, Transfer |
| Oct 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Feb 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2023 · Amount on File |
| Deed Sale | May 8, 2023 · Amount on File |
| Prior Sale | Oct 1, 2021 · Amount on File |
| Deed Document Number | 2023730764 |
| Deed Book / Page | 2331 / 423 |
| Prior Transfer Date | Aug 22, 2005 |
| Prior Transfer Doc | 0011200654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Aug 6, 2026 |
| Property Address | 402 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042 |
| Document Number | 0000762112 |
| Book / Page | 2496 / 872 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 2026762112 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 7483 POULICNY LN, MELBOURNE, FL 32940-7716 |
| Document Number | 0000762112, |
|---|---|
| Date | Aug 6, 2026 |
| Book Page | 2496/872 |
| Instrument | 2026762112 |
| Name | COASTAL FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | May 8, 2023 |
| Property Address | 402 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042 |
| Document Number | 0023310423 |
| Book / Page | 2331 / 423 |
| Map Reference | MB 4 PG 42 |
| Instrument Date | May 3, 2023 |
| Instrument | 730764 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 HAWKS CREEK PKWY, FORT MILL, SC 29708-0026 |
| Name | Verified Name |
|---|---|
| Address | 7483 POULICNY LN, MELBOURNE, FL 32940-7716 |
| Document Number | 0000730765 |
|---|---|
| Date | May 8, 2023 |
| Instrument | 730765 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Jul 7, 2022 |
| Property Address | 402 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042 |
| Document Number | 0022850152 |
| Book / Page | 2285 / 152 |
| Map Reference | MB 4 PG 42 |
| Instrument Date | Jul 5, 2022 |
| Instrument | 722105 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 HAWKS CREEK PKWY, 129, FORT MILL, SC 29708-0026 |
| Name | Verified Name |
|---|---|
| Address | 129 HAWKS CREEK PKWY, FORT MILL, SC 29708-0026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Oct 1, 2021 |
| Property Address | 402 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042 |
| Document Number | 0022250177 |
| Book / Page | 2225 / 177 |
| Map Reference | MB 4 PG 42 |
| Instrument Date | Sep 23, 2021 |
| Instrument | 712030 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $490.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2605 PALM LAKE DR, 2605, MERRITT ISLAND, FL 32952-5412 |
| Name | Verified Name |
|---|---|
| Address | 129 HAWKS CREEK PKWY, FORT MILL, SC 29708-0026 |
| Document Number | 0000712031 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 712031 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 4, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Feb 18, 2020 |
| Property Address | 402 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042 |
| Document Number | 0020760294 |
| Book / Page | 002076 / 000294 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 687544 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2605 PALM LAKE DR MERRITT ISLAND FL 329525412, MERRITT ISLAND, FL 32952-5412 |
| Document Number | 20760298 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 002076/000298 |
| Instrument | 687545 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 17, 2050 |
The 2025 property tax bill for 402 Charter Hills Rd was $765, down 63.3% from the year before.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Beech Mountain Town |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,700 (-) Land $16,900 Building $187,800 | ||
| 2025 | $765.00 (-63.29%) | $204,700 Land $16,900 Building $187,800 | |
| 2024 | $2,084.00 | $204,700 Land $16,900 Building $187,800 | |
| 2023 | $204,700 Land $16,900 Building $187,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Charter Hills Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.
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 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 5 (2011–2020) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Feb 2020 |
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 risk around 402 Charter Hills Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF BEECH MOUNTAIN serves 2,468 people · EPA ID NC0195104 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 178 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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