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

Watauga County property record for 415 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,741 sqft · built 1993
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Oct 2019)
Tax Bill	$2,176 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1940-89-8915-000`

Property Details

APN / Parcel Number

Primary APN	`1940-89-8915-000`
Alternative APN	`1810421`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,741 sqft Living Area
1st Floor Area	613 sqft
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Area	75 sqft
Porch	Porch
Porch Area	544 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	1810421
Street Address	415 SAINT ANDREWS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR1
Legal Description	GGGC-L 087
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

415 Saint Andrews Rd is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	415 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Occupancy	Owner Occupied
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
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 17, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Deed Document Number	2019683667
Deed Book / Page	2054 / 774
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	415 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022280822
Date	Oct 18, 2021
Book Page	2228/822
Instrument	712658

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Oct 17, 2019
Property Address	415 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0020540774
Book / Page	002054 / 000774
Instrument Date	Oct 9, 2019
Instrument	683667
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15826 S 32ND PL PHOENIX AZ 850485811, PHOENIX, AZ 85048-5811

Mortgage

Document Number	20540777
Date	Oct 17, 2019
Book Page	002054/000777
Instrument	683668

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 415 Saint Andrews Rd was $2,176.

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		$648,400 (-) Land $70,500 Building $577,900
2025	$2,176.00	$648,400 Land $70,500 Building $577,900
2024			$648,400 Land $70,500 Building $577,900
2023		$648,400 Land $70,500 Building $577,900

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

Flood

FEMA maps place 415 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 415 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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