Watauga County property record for 431 Willow Trl, Boone, NC 28607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,392 sqft · built 1996 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,056 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 2829-80-4434-000 |
| Primary APN | 2829-80-4434-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,392 sqft Living Area |
| 1st Floor Area | 1,504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Type | Basement |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 240 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1593607 |
|---|---|
| Street Address | 431 WILLOW TRL |
| City | BOONE |
| State | NC |
| Zip | 28607-7086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 TERRA WOODS |
| Legal Subdivision | TERRA WOODS |
| Legal Lot Number | 1 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 920702 |
431 Willow Trl is owned and occupied by two individuals.
Source: Watauga County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 WILLOW TRL, BOONE, NC 28607-7086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Oct 2, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 431 WILLOW TRL, BOONE, NC 28607-7086 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021610476 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 2161/476 |
| Instrument | 701483 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 431 WILLOW TRL, BOONE, NC 28607-7086 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 431 WILLOW TRL, BOONE, NC 28607-7086 |
| Document Number | 0021290078 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 2129/78 |
| Instrument | 696146 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 431 Willow Trl was $2,056.
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $513,500 (-) Land $81,300 Building $432,200 | ||
| 2025 | $2,056.00 | $513,500 Land $81,300 Building $432,200 | |
| 2024 | $513,500 Land $81,300 Building $432,200 | ||
| 2023 | $513,500 Land $81,300 Building $432,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Willow Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Wildfire risk around 431 Willow Trl is low, with a 0.05% 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 | 0.05% 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 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures