456 Harmon Rd, Banner Elk, NC 28604 Property Records

Watauga County property record for 456 Harmon Rd, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,440 sqft · built 1971
Lot Size	2.07 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Aug 2020)
Tax Bill	$697 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1960-97-6411-000`

Property Details

APN / Parcel Number

Primary APN	`1960-97-6411-000`
Alternative APN	`1815483`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	90,169 sqft (2.07 acres)
Porch	Porch
Porch Area	192 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1815483
Street Address	456 HARMON RD
City	BANNER ELK
State	NC
Zip	28604-9338
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	WATAUGA NC
Township / Civil Division	SHAWNEEHAW
Census Block Group	5
Census Block	5014
Census Tract	920900

Owner

456 Harmon Rd is owned by two individuals who bought it in August 2020.

Source: Watauga County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	456 ROMINGER RD, BANNER ELK, NC 28604-8314
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Aug 19, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2020 · Amount on File
Deed Sale	Aug 19, 2020 · Amount on File
Deed Document Number	2020693936
Deed Book / Page	2115 / 135
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Recording Date	Sep 28, 2026
Property Address	456 HARMON RD, BANNER ELK, NC 28604-9338
Document Number	0000763562
Book / Page	2503 / 919
Instrument Date	Sep 23, 2026
Instrument	2026763562
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 HARMON RD, BANNER ELK, NC 28604-9338

Mortgage

Document Number	0000763562,
Date	Sep 28, 2026
Book Page	2503/919
Instrument	2026763562

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 19, 2020
Property Address	456 HARMON RD, BANNER ELK, NC 28604-9338
Document Number	0021150135
Book / Page	2115 / 135
Instrument Date	Aug 18, 2020
Instrument	693936
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 HARMON RD, BANNER ELK, NC 28604-9338

Mortgage

Document Number	693937
Date	Aug 19, 2020
Instrument	693937

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 456 Harmon Rd was $697.

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,400 (-) Land $26,000 Building $132,400
2025	$697.00	$158,400 Land $26,000 Building $132,400
2024			$158,400 Land $26,000 Building $132,400
2023		$158,400 Land $26,000 Building $132,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 456 Harmon Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1994.

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 File median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	16 (1994–2024)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 11 claims Hurricane Ivan, 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

Wildfire risk around 456 Harmon Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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