Watauga County property record for 440 Saddle Rd, Boone, NC 28607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,428 sqft · built 2002 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,254 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1991-69-1648-000 |
| Primary APN | 1991-69-1648-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,428 sqft Living Area |
| 1st Floor Area | 2,952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 50,965 sqft (1.17 acres) |
| Garage Type | Basement |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 240 sqft |
| Patio Area | 851 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1576155 |
|---|---|
| Street Address | 440 SADDLE RD |
| City | BOONE |
| State | NC |
| Zip | 28607-9521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 21 RICH MTN RANCHES |
| Legal Subdivision | RICH MTN RANCHES |
| Legal Lot Number | 21 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | NEW RIVER |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 920400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 440 SADDLE RD, BOONE, NC 28607-9521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Sep 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 440 SADDLE RD, BOONE, NC 28607-9521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0019190517 |
|---|---|
| Date | May 23, 2017 |
| Book Page | 1919/0517 |
| Instrument | 658421 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 440 SADDLE RD, BOONE, NC 28607-9521 |
| Document Number | 0019400751 |
| Book / Page | 001940 / 000751 |
| Instrument Date | Sep 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 440 SADDLE RD BOONE NC 286079521, BOONE, NC 28607-9521 |
| Document Number | 0019400751 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 001940/000751 |
| Instrument | 662527 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 2, 2047 |
Source: Watauga County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,254.00 | $830,400 (+27.36%) Land $53,600 Building $776,800 | |
| 2024 | $652,000 Land $53,600 Building $598,400 | ||
| 2023 | $652,000 Land $53,600 Building $598,400 |
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
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 | 0.07% 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 8 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 / 1,000 |
5G (outdoors only) and 4G LTE
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