Watauga County property record for 431 Townsend Ln, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,360 sqft · built 2006 |
| Lot Size | 24.6 acres (1,072,883 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,200,000 (Oct 2021) |
| Deeds & Mortgages | Oct 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1889-27-0477-000 |
| Primary APN | 1889-27-0477-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,360 sqft Living Area |
| 1st Floor Area | 2,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Foundation Type | Raised |
| Roof Material | Metal |
| Lot Area | 1,072,883 sqft (24.6 acres) |
| Porch | Porch |
| Porch Area | 608 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 1845524 |
|---|---|
| Street Address | 431 TOWNSEND LN |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-7512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF SR 1136 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 920900 |
Source: Watauga County records, as of October 13, 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 | 12800 TOPPING ACRES ST, SAINT LOUIS, MO 63131-1436 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2021 · Amount on Record |
| Deed Sale | Oct 22, 2021 · Amount on Record |
| Deed Document Number | 2021712923 |
| Deed Book / Page | 2230 / 415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATAUGA NC |
| Recording Date | Oct 22, 2021 |
| Property Address | 431 TOWNSEND LN, BANNER ELK, NC 28604-7512 |
| Document Number | 0022300415 |
| Book / Page | 2230 / 415 |
| Instrument Date | Oct 14, 2021 |
| Instrument | 712923 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1001 SE 17TH ST, FORT LAUDERDALE, FL 33316-2128 |
| Name | Verified Name |
|---|---|
| Address | 12800 TOPPING ACRES ST, SAINT LOUIS, MO 63131-1436 |
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $1,232,100 (-) Land $274,500 Building $957,600 | |
| 2025 | $1,232,100 (-) Land $274,500 Building $957,600 | |
| 2024 | $1,232,100 Land $274,500 Building $957,600 | |
| 2023 | $1,232,100 Land $274,500 Building $957,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 26 (1994–2024) |
| Claims Outside the SFHA | 13 of 26 |
| 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.
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 | 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 2,000 / 2,000 |
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures