404 Oz Rd, Banner Elk, NC 28604 Property Records

Avery County property record for 404 Oz Rd, Banner Elk, NC 28604

Property Summary

Property Type	Seasonal / Vacation Home
Details	5 bd · 6 ba · 6,519 sqft · built 1998
Owner	2 Individual Names on File
Last Sale	$890,000 (Sep 2017)
Tax Bill	$13,416 (2025)
Deeds & Mortgages	Jul 2018 Transfer Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`69470`

Property Details

APN / Parcel Number

Primary APN	`69470`
Alternative APN	`18490099642200000`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,519 sqft Heated Area
Basement Area	1,320 sqft
Finished Basement	1,320 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	8 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	468 sqft
Deck Area	50 sqft
Patio Area	306 sqft
Gazebo	256 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	69470
Street Address	404 OZ RD
City	BANNER ELK
State	NC
Zip	28604-8198
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	BM MISTY HLW028 029 30 310031 0022
Legal Subdivision	MISTY HOLLOW
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	2
Census Block	2076
Census Tract	930100

Owner

404 Oz Rd, a residential property, is owned by two individuals who acquired it in July 2018.

Source: Avery County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5504 CARMEL PARK DR, CHARLOTTE, NC 28226-5145
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 18, 2017	Warranty Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2017 · Amount on File
Deed Sale	Sep 18, 2017 · Amount on File
Prior Sale	Sep 18, 2017 · Amount on File
Deed Document Number	0005121224
Deed Book / Page	000512 / 001224
Last Transfer Date	Jul 23, 2018
Transfer Doc	0005221422
Record Updated	Jun 8, 2026

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AVERY NC
Recording Date	Jul 23, 2018
Property Address	404 OZ RD, BANNER ELK, NC 28604-8198
Document Number	0005221422
Book / Page	522 / 1422
Instrument Date	Jul 11, 2018
Instrument	3930
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5504 CARMEL PARK DR CHARLOTTE NC 282265145, CHARLOTTE, NC 28226-5145

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Sep 18, 2017
Property Address	404 OZ RD, BANNER ELK, NC 28604-8198
Document Number	0005121224
Book / Page	000512 / 001224
Instrument Date	Sep 1, 2017
Instrument	3604
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5504 CANNEL PARK DR CHARLOTTE NC 28226, CHARLOTTE, NC 28226

Mortgage

Document Number	5121227
Date	Sep 18, 2017
Book Page	000512/001227
Instrument	3605

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 404 Oz Rd was $13,416.

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Beech Mountain Town
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,416.00	$1,277,800 Land $175,000 Building $1,102,800	$1,277,800 Land $175,000 Building $1,102,800
2023	$5,111.00	$1,277,800 (-) Land $175,000 Building $1,102,800	$1,277,800 (-) Land $175,000 Building $1,102,800
2022	$5,111.00	$1,277,800 Land $175,000 Building $1,102,800	$1,277,800 Land $175,000 Building $1,102,800

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

Flood

FEMA maps place 404 Oz Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · 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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	11 (1994–2024)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims Severe Storms, Flooding, High Winds, Oct 1995 · 3 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 404 Oz Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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