420 Highcliff Cir, Seven Devils (Banner Elk), NC 28604 Property Records

Watauga County property record for 420 Highcliff Cir, Seven Devils, NC 28604 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1972
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Tax Bill	$1,310 (2025)
Deeds & Mortgages	Dec 2022 Transfer Jul 2021 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1878-16-5274-000`

Property Details

APN / Parcel Number

Primary APN	`1878-16-5274-000`
Alternative APNs	`1528828` `1856792`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	784 sqft
Basement Area	768 sqft
Finished Basement	536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	16,553 sqft (0.38 acres)
Porch	Porch
Porch Area	224 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1856792
Street Address	420 HIGHCLIFF CIR
City	SEVEN DEVILS
State	NC
Zip	28604-9108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 SEC 2 SEVEN DEVILS
Legal Subdivision	SEVEN DEVILS
Legal Lot Number	17
Jurisdiction	WATAUGA NC
Township / Civil Division	WATAUGA
Census Block Group	2
Census Block	2060
Census Tract	920900

Owner

Source: Watauga County records · APN 1878-16-5274-000

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	Individual Name on File
Mailing Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Intrafamily Transfer, Transfer
Jul 06, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Mar 20, 2019	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Mar 15, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Jul 03, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Dec 16, 2022
Transfer Doc	0023120711
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Dec 20, 2022
Property Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108
Document Number	0023120711
Book / Page	2312 / 711
Instrument Date	Dec 16, 2022
Instrument	727240
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108
Transaction Type	Mortgage
Record Updated	Feb 02, 2022
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108

Mortgage

Document Number	0022020721
Date	Jul 06, 2021
Book Page	2202/721
Instrument	708342

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	758 Months
Due	Sep 22, 2084

Interest

Rate Type	Adjustable Rate
Rate	2.59%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 01, 2021
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.59%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020180840
Date	Mar 20, 2019
Book Page	2018/0840
Instrument	677308

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	786 Months
Due	Sep 22, 2084

Interest

Rate Type	Adjustable Rate
Rate	4.73%
Type Change Date	Apr 01, 2020
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108
Document Number	0020180854
Instrument Date	Mar 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	FNF TITLE SERVICES INC, FNF TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	420 HIGHCLIFF CIR SEVEN DEVILS NC 286049108, SEVEN DEVILS, NC 28604-9108

Mortgage

Document Number	0020180854
Date	Mar 20, 2019
Book Page	002018/000854
Instrument	677309

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	780 Months
Due	Mar 19, 2084

Interest

Rate Type	Adjustable Rate
Rate	4.73%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	420 HIGHCLIFF CIR, SEVEN DEVILS, NC 28604-9108
Document Number	0019280625
Book / Page	001928 / 000625
Instrument Date	Jul 03, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 HIGHCLIFF CIR SEVEN DEVILS NC 286049108, SEVEN DEVILS, NC 28604-9108

Mortgage

Document Number	0019280625
Date	Jul 18, 2017
Book Page	001928/000625
Instrument	660199

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2047

Interest

Rate Type	Adjustable Rate

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
Municipality	Seven Devils Town
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	$1,310.00 (-53.26%)	$342,700 (-) Land $22,400 Building $320,300
2024	$2,803.00		$342,700 Land $22,400 Building $320,300
2023		$342,700 Land $22,400 Building $320,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371899209002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 units insured 15 under condo master policies
Nearby Flood Claims	30 (1994–2024)
Claims Outside the SFHA	8 of 30
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 3 claims Hurricane Ivan, Sep 2004 · 6 claims Tropical Storm Frances, Sep 2004 · 5 claims

Wildfire

Wildfire Risk	Low above 37% of the US · above 53% of North Carolina
Wildfire Likelihood	About 1 in 2,041 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 65 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Loretto Telephone Company	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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