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

Watauga County property record for 423 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,151 sqft · built 1980
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jul 2021)
Tax Bill	$1,755 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1941-80-8502-000`

Property Details

APN / Parcel Number

Primary APN	`1941-80-8502-000`
Alternative APN	`1840295`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,151 sqft Living Area
1st Floor Area	1,434 sqft
Basement Area	725 sqft
Finished Basement	725 sqft
Unfinished Basement	725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Wood Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	88 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1840295
Street Address	423 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 091
Legal Subdivision	BEECH MOUNTAIN
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1023
Census Tract	921000

Owner

423 Saint Andrews Rd is owned by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	112 OVERVIEW LN, CARY, NC 27511-4534
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, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 11, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jul 8, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Prior Sale	Aug 14, 2015 · Amount on File
Deed Document Number	2021709108
Deed Book / Page	2207 / 270
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jul 23, 2021
Property Address	423 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0022070270
Book / Page	2207 / 270
Map Reference	MB 5 PG 211
Instrument Date	Jul 19, 2021
Instrument	709108
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20136 TAILWIND LN, 20136, CORNELIUS, NC 28031-6024

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	112 OVERVIEW LN, CARY, NC 27511-4534

Mortgage

Document Number	709109
Date	Jul 23, 2021
Instrument	709109

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	423 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 SAL NT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216

Mortgage

Document Number	0021490600
Date	Dec 11, 2020
Book Page	2149/600
Instrument	699510

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	423 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0020370106
Instrument Date	Jul 8, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	423 SAINT ANDREWS RD BEECH MOUNTAIN NC 286048216, BEECH MOUNTAIN, NC 28604-8216

Mortgage

Document Number	0020370106
Date	Jul 12, 2019
Book Page	002037/000106
Instrument	680596

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 423 Saint Andrews Rd was $1,755.

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		$515,800 (-) Land $74,200 Building $441,600
2025	$1,755.00	$515,800 Land $74,200 Building $441,600
2024			$515,800 Land $74,200 Building $441,600
2023		$532,600 Land $74,200 Building $458,400

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

Flood

FEMA maps place 423 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 423 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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