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440 Crestview Ln, Sugar Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 440 Crestview Ln, Sugar Mountain, NC 28604

Property Summary

Property TypeSeasonal / Vacation Home
Details3 bd · 2 ba · 1,350 sqft · built 1996
Lot Size0.889 acres (38,768 sqft)
OwnerCompany Name on Record
Tax Bill$1,984 (2025)
Deeds & MortgagesMar 2021 Mortgage
Jun 2025 Sale
Flood ZoneZone X (minimal risk)
APN43096

Property Details

APN / Parcel Number

Primary APN43096
Alternative APN
  • 18581830475200000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,350 sqft Heated Area
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces3 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Exterior MaterialWood Shingle
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialAsphalt
Lot Area38,768 sqft (0.889 acres)
Deck Area458 sqft
Patio Area458 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemBaseboard
Heating FuelElectric

Location & Zoning

Account Number43096
Street Address440 CRESTVIEW LN
CitySUGAR MOUNTAIN
StateNC
Zip28604-7106
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Local Zoning CodeR3
Legal DescriptionSM CREST VIEW 006 PLAT 30-33
Legal SubdivisionSM CREST VIEW
JurisdictionAVERY NC
Township / Civil DivisionBANNER ELK
Census Block Group1
Census Block1018
Census Tract930200

Owner

Source: Avery County records, as of December 3, 2025

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 RecordCompany Name on Record
Mailing Address3722 LARKSTON DR, CHARLOTTE, NC 28226-7025
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Jun 6, 2025Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 6, 2025
Deed SaleJun 6, 2025
Deed Document Number0006091066
Deed Book / Page609 / 1066
Record UpdatedJun 8, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAVERY NC
Property Address440 CRESTVIEW LN, SUGAR MOUNTAIN, NC 28604-7106
Transaction TypeMortgage
Record UpdatedDec 4, 2025
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001543
DateMar 18, 2021
Book Page557/2065
Instrument2021001543
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueApr 1, 2041

June 2025: Deed, Transfer

Document TypeDeed
JurisdictionAVERY NC
Recording DateJun 6, 2025
Property Address440 CRESTVIEW LN, SUGAR MOUNTAIN, NC 28604-7106
Document Number0000002128
Book / Page609 / 1066
Map ReferenceMB 36 PG 57
Instrument DateJun 2, 2025
Instrument2025002128
Transaction TypeTransfer
Record UpdatedDec 4, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3722 LARKSTON DR, CHARLOTTE, NC 28226-7025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3722 LARKSTON DR, CHARLOTTE, NC 28226-7025

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyAvery County
MunicipalitySugar Mountain Village
Unified School DistrictAvery County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,984.00 (+70.01%)$291,800 (-) Land $60,000 Building $231,800$291,800 (-) Land $60,000 Building $231,800
2023$1,167.00$291,800 (-) Land $60,000 Building $231,800$291,800 (-) Land $60,000 Building $231,800
2022$1,167.00$291,800 Land $60,000 Building $231,800$291,800 Land $60,000 Building $231,800

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 January 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 46 policies
Nearby Flood Policies46 in force
Nearby Flood Claims16 (1997–2024)
Claims Outside the SFHA13 of 16
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 8 claims
  • Tropical Storm Frances, Sep 2004 · 2 claims

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 RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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 SystemSUGAR MOUNTAIN UTILITY
private · serves 3,226 people · EPA ID NC0106107
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Skyline Telephone
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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