402 Rustic Ridge Rd, Banner Elk, NC 28604 Property Records

Watauga County property record for 402 Rustic Ridge Rd, Banner Elk, NC 28604 · Last verified June 2026

Property Summary

Property Type	Under Construction
Details	4 bd · 3 ba · 3,284 sqft
Lot Size	10 acres (439,085 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Aug 2020)
Tax Bill	$2,334 (2025)
Deeds & Mortgages	Aug 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`1960-25-3334-000`

Property Details

APN / Parcel Number

Primary APN	`1960-25-3334-000`
Alternative APN	`1815146`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Units	4 Units
Building Area	3,284 sqft Living Area

Exterior

Architectural Style	Contemporary
Lot Area	439,085 sqft (10 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	1815146
Street Address	402 RUSTIC RIDGE RD
City	BANNER ELK
State	NC
Zip	28604-6349
Property Category	Other
Property Type	Other > Under Construction
Legal Description	T-3 FARM OVERLOOK
Legal Subdivision	OVERLOOK
Legal Tract	3
Jurisdiction	WATAUGA NC
Township / Civil Division	SHAWNEEHAW
Census Block Group	1
Census Block	1033
Census Tract	920900

Owner

Source: Watauga County records · APN 1960-25-3334-000

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 Record	2 Individual Names on File
Mailing Address	PO BOX 691, VALLE CRUCIS, NC 28691-0691
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 06, 2020 · Amount on Record
Deed Sale	Aug 06, 2020 · Amount on Record
Prior Sale	Aug 24, 2007 · Amount on Record
Deed Document Number	2020693421
Deed Book / Page	2112 / 296
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 06, 2020
Property Address	BANNER ELK, NC 28604
Document Number	0021120296
Book / Page	002112 / 000296
Instrument Date	Aug 05, 2020
Instrument	693421
Transaction Type	Transfer
Record Updated	Sep 03, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 691 VALLE CRUCIS NC 286910691, VALLE CRUCIS, NC 28691-0691

Mortgage

Document Number	21120299
Date	Aug 06, 2020
Book Page	002112/000299
Instrument	693422

Lender

Name	ROBERT L TURCHIN
Address	4490 N MERIDIAN AVE, MIAMI BEACH, FL 33140-2943
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 05, 2021

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,334.00	$634,300 (+168.89%) Land $149,100 Building $485,200
2024			$355,300 Land $149,100 Building $206,200
2023		$235,900 Land $149,100 Building $86,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 83% of North Carolina
Wildfire Likelihood	About 1 in 595 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.