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

Watauga County property record for 424 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,497 sqft · built 1997
Lot Size	0.35 acres (15,246 sqft)
Owner	Company Name on Record
Last Sale	$795,000 (Oct 2022)
Tax Bill	$2,130 (2025)
Deeds & Mortgages	Jan 2023 Sale Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1941-80-9531-000`

Property Details

APN / Parcel Number

Primary APN	`1941-80-9531-000`
Alternative APNs	`1743203` `1856048` `1857069`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,497 sqft Living Area
1st Floor Area	1,697 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	16 sqft
Patio Area	152 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1857069
Street Address	424 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 081
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1024
Census Tract	921000

Owner

Source: Watauga County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	111 SE 68TH ST, OAK ISLAND, NC 28465-4550
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Warranty Deed, Transfer
Oct 26, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Prior Sale	Aug 21, 2015 · Amount on Record
Deed Document Number	2022725635
Deed Book / Page	2304 / 174
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jan 18, 2023
Property Address	424 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0023160282
Book / Page	2316 / 282
Instrument Date	Jan 14, 2023
Instrument	727869
Transaction Type	Transfer
Record Updated	Jan 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 SE 68TH ST, OAK ISLAND, NC 28465-4550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 SE 68TH ST, OAK ISLAND, NC 28465-4550

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Oct 26, 2022
Property Address	424 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0023040174
Book / Page	2304 / 174
Map Reference	MB 5 PG 211
Instrument Date	Oct 25, 2022
Instrument	725635
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	676 SANTA ROSA BLVD # BLVD2J, 676, FORT WALTON BEACH, FL 32548-6061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1614 KINFS HWY, DALLAS, TX 75208-3523

Mortgage

Document Number	0023040180
Date	Oct 26, 2022
Book Page	2304/180
Instrument	725636

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of December 2, 2025

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
2025	$2,130.00	$552,200 (-) Land $39,900 Building $512,300
2024			$552,200 Land $39,900 Building $512,300
2023		$552,200 Land $39,900 Building $512,300

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

Flood

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 Record 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

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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