Avery County property record for 428 Phillip Rd, Elk Park, NC 28622
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,116 sqft · built 2004 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $550,000 (Jul 2025) |
| Tax Bill | $657 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 44569 |
| Primary APN | 44569 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,116 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 368 sqft |
| Deck Area | 128 sqft |
| Patio Area | 128 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Coal |
| Account Number | 44569 |
|---|---|
| Street Address | 428 PHILLIP RD |
| City | ELK PARK |
| State | NC |
| Zip | 28622-9404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIST:3 CITY/MUNI/TWP:BEECH MOUNTAIN |
| Legal Subdivision | ELLA F PHILLIPS ESTATE |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BEECH MOUNTAIN |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 930100 |
Source: Avery County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 428 PHILLIP RD, ELK PARK, NC 28622-9404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2025 · Amount on Record |
| Deed Sale | Jul 16, 2025 · Amount on Record |
| Deed Document Number | 0006101538 |
| Deed Book / Page | 610 / 1538 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 428 PHILLIP RD, ELK PARK, NC 28622-9404 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000003921 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | 612/2039 |
| Instrument | 2025003921 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | 7901 SANDY SPRING RD, LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2055 |
| Change Frequency | Monthly |
|---|
Source: Avery County assessment roll, as of January 1, 2025
| 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 | $657.00 | $164,300 (-) Land $17,500 Building $146,800 | $164,300 (-) Land $17,500 Building $146,800 |
| 2023 | $657.00 | $164,300 (-) Land $17,500 Building $146,800 | $164,300 (-) Land $17,500 Building $146,800 |
| 2022 | $657.00 | $164,300 Land $17,500 Building $146,800 | $164,300 Land $17,500 Building $146,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
4G LTE (outdoors only), no 5G reported
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