424 Charter Hills Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 424 Charter Hills Rd, Beech Mountain, NC 28604 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,688 sqft · built 1968
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jul 2011)
Tax Bill	$1,211 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1950-34-3571-000`

Property Details

APN / Parcel Number

Primary APN	`1950-34-3571-000`
Alternative APN	`1722615`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,688 sqft Living Area
1st Floor Area	784 sqft
Basement Area	590 sqft
Finished Basement	590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	13,504 sqft (0.31 acres)
Patio Area	318 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1722615
Street Address	424 CHARTER HILLS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARTER HILLS A 090
Legal Subdivision	CHARTER HILLS
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1082
Census Tract	921000

Owner

Source: Watauga County records · APN 1950-34-3571-000

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	424 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 01, 2011 · Amount on Record
Deed Sale	Jul 01, 2011 · Amount on Record
Prior Sale	Apr 27, 2007 · Amount on Record
Deed Document Number	201153040
Deed Book / Page	1579 / 423
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	424 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8042
Transaction Type	Mortgage
Record Updated	Jul 07, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023370804
Date	Jun 19, 2023
Book Page	2337/804
Instrument	731983

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 09, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified June 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

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	$1,211.00	$304,600 (+3.64%) Land $19,600 Building $285,000
2024			$293,900 Land $19,600 Building $274,300
2023		$293,900 Land $19,600 Building $274,300

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 371899210001, 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 16 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force 3 of 16 on primary residences
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2020

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 3,333 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.