413 Saint Andrews Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 413 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,358 sqft · built 1982
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Aug 2022)
Tax Bill	$2,230 (2025)
Deeds & Mortgages	Aug 2022 Sale Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1940-89-9900-000`

Property Details

APN / Parcel Number

Primary APN	`1940-89-9900-000`
Alternative APNs	`1818920` `1854599`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,358 sqft Living Area
1st Floor Area	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Wood Shingle
Lot Area	17,860 sqft (0.41 acres)
Garage Area	280 sqft
Porch	Porch
Porch Area	638 sqft
Patio Area	292 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	1854599
Street Address	413 SAINT ANDREWS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	GGGC-L 086
Legal Subdivision	GRASSY GAP BEECH MOUNTAIN
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1023
Census Tract	921000

Owner

413 Saint Andrews Rd is owned by two individuals who bought it in August 2022.

Source: Watauga County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	441 MARTELLO DR, CHARLESTON, SC 29412-2637
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
Aug 15, 2022	Warranty Deed, Transfer
Feb 2, 2021	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT MORTGAGE GROUP LLC
Apr 8, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	Feb 2, 2021 · Amount on File
Deed Document Number	2022723331
Deed Book / Page	2292 / 126
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 15, 2022
Property Address	413 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0022920126
Book / Page	2292 / 126
Map Reference	MB 5 PG 135
Instrument Date	Aug 9, 2022
Instrument	723331
Transaction Type	Transfer
Record Updated	Oct 18, 2022

Transaction

Amount	Amount on Record
Tax	$1,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3513 JORDAN MANORS DR, 3513, NEW HILL, NC 27562-9722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 MARTELLO DR, CHARLESTON, SC 29412-2637

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Feb 2, 2021
Property Address	413 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0021630406
Book / Page	2163 / 406
Map Reference	MB 8 PG 193
Instrument Date	Jan 27, 2021
Instrument	701760
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14922 SW 74TH PL, 14922, PALMETTO BAY, FL 33158-2137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3513 JORDAN MANORS DR, NEW HILL, NC 27562-9722

Mortgage

Document Number	0000701761
Date	Feb 2, 2021
Instrument	701761

Lender

Name	PARAMOUNT MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	413 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0020230787
Instrument Date	Apr 8, 2019
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 SAINT ANDREWS RD BEECH MOUNTAIN NC 286048216, BEECH MOUNTAIN, NC 28604-8216

Mortgage

Document Number	0020230787
Date	Apr 18, 2019
Book Page	002023/000787
Instrument	678200

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 413 Saint Andrews Rd was $2,230.

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$665,300 (-) Land $90,900 Building $574,400
2025	$2,230.00	$665,300 Land $90,900 Building $574,400
2024			$665,300 Land $90,900 Building $574,400
2023		$665,300 Land $90,900 Building $574,400

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

Flood

FEMA maps place 413 Saint Andrews 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

Wildfire risk around 413 Saint Andrews Rd is low, with a 0.06% 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 54% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 41 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 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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