Avery County property record for 421 Substation Rd, Elk Park, NC 28622
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 840 sqft · built 1964 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | Individual Name on File |
| Last Sale | $4,000 (May 2011) |
| Tax Bill | $166 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1828-00-37-2088-00000 |
| Primary APN | 1828-00-37-2088-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 276 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 38,768 sqft (0.89 acres) |
| Deck Area | 276 sqft |
| Patio Area | 276 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 53943 |
|---|---|
| Street Address | 421 SUBSTATION RD |
| City | ELK PARK |
| State | NC |
| Zip | 28622-9278 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NULL |
| Legal Description | TRACT 1 PLAT-ARROWOOD |
| Legal Subdivision | PLAT-ARROWOOD |
| Legal Tract | 1 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | CRANBERRY |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 930302 |
421 Substation Rd is owned and occupied by an individual who bought it in May 2011.
Source: Avery County records, as of January 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 421 SUBSTATION RD, ELK PARK, NC 28622-9278 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2011 · Amount on File |
| Deed Sale | May 12, 2011 · Amount on File |
| Prior Sale | Sep 8, 2009 |
| Deed Document Number | 20111848 |
| Deed Book / Page | 456 / 416 |
| Prior Transfer Date | Aug 18, 2010 |
| Prior Transfer Doc | 0000003195 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 421 SUBSTATION RD, ELK PARK, NC 28622-9278 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 421 SUBSTATION RD, ELK PARK, NC 28622-9278 |
| Document Number | 0000006889 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 584/1228 |
| Instrument | 2022006889 |
| Name | UNITED COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | NEWLAND, NC 28657 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Nov 8, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 421 Substation Rd was $166.
Source: Avery County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $166.00 | $44,500 Land $11,400 Building $33,100 | $44,500 Land $11,400 Building $33,100 |
| 2024 | $166.00 | ||
| 2023 | $166.00 | $41,500 (-) Land $11,400 Building $30,100 | $41,500 (-) Land $11,400 Building $30,100 |
| 2022 | $166.00 | $41,500 Land $11,400 Building $30,100 | $41,500 Land $11,400 Building $30,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Substation Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 421 Substation Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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