465 Farm Loop Rd, Banner Elk, NC 28604 Property Records

Avery County property record for 465 Farm Loop Rd, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,556 sqft · built 2004
Lot Size	0.64 acres (27,878 sqft)
Owner	Company Name on Record
Last Sale	$873,000 (Dec 2020)
Tax Bill	$7,801 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1858-07-58-8679-00000`

Property Details

APN / Parcel Number

Primary APN	`1858-07-58-8679-00000`
Alternative APN	`74559`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,556 sqft Living Area
Gross Area	3,844 sqft
1st Floor Area	1,590 sqft
Basement Area	1,130 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Attached
Garage Area	288 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	186 sqft
Deck Area	304 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	74559
Street Address	465 FARM LOOP RD
City	BANNER ELK
State	NC
Zip	28604-6709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THE FARM LOT 21 PLAT 38-305A
Legal Subdivision	THE FARM
Legal Lot Number	21
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1040
Census Tract	930100

Owner

Source: Avery County records, as of April 16, 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	1489 ALLIGATOR DR, PANACEA, FL 32346-5115
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Deed Document Number	20207257
Deed Book / Page	553 / 1838
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Dec 14, 2020
Property Address	465 FARM LOOP RD, BANNER ELK, NC 28604-6709
Document Number	0005531838
Book / Page	000553 / 001838
Instrument Date	Dec 10, 2020
Instrument	7257
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,746.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1489 ALLIGATOR DR ALLIGATOR POINT FL 323465115, ALLIGATOR POINT, FL 32346-5115

Mortgage

Document Number	5531841
Date	Dec 14, 2020
Book Page	000553/001841
Instrument	7258

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2050

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Banner Elk Town
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,801.00 (+104.48%)	$907,100 (-) Land $150,000 Building $757,100	$907,100 (-) Land $150,000 Building $757,100
2024	$3,815.00 (+5.15%)
2023	$3,628.00 (-4.78%)	$907,100 (-) Land $150,000 Building $757,100	$907,100 (-) Land $150,000 Building $757,100
2022	$3,810.00	$907,100 Land $150,000 Building $757,100	$907,100 Land $150,000 Building $757,100

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 individual policies
Nearby Flood Policies	47 units insured incl. 4 condo units
Nearby Flood Claims	16 (1995–2024)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Hurricane Ivan, Sep 2004 · 3 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 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
T-Mobile Fixed Wireless	100 / 20