468 Elderberry Ridge Rd, Unit A202, Beech Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 468 Elderberry Ridge Rd, Unit A202, Beech Mountain, NC 28604

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,092 sqft · built 2002
Owner	2 Individual Names on Record
Last Sale	$199,500 (Aug 2019)
Tax Bill	$1,049 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71636`

Property Details

APN / Parcel Number

Primary APN	`71636`
Alternative APN	`1859064833180000202`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Composition/Composite
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Wood Shingle
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	71636
Street Address	468 ELDERBERRY RIDGE RD UNIT A202, A202
City	BEECH MOUNTAIN
State	NC
Zip	28604-6697
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	CAROLINA NORTH UT 202-A
Legal Subdivision	CAROLINA NORTH
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1007
Census Tract	930100

Owner

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

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	12765 AVALON COVE DR S, JACKSONVILLE, FL 32224-5604
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK NA
Aug 6, 2019	Warranty Deed, Transfer · Conventional with PMI SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on Record
Deed Sale	Aug 6, 2019 · Amount on Record
Prior Sale	Dec 16, 2010 · Amount on Record
Deed Document Number	0005331571
Deed Book / Page	533 / 1571
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	468 ELDERBERRY RIDGE RD UNIT A202, A202, BEECH MOUNTAIN, NC 28604-6697
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001210
Date	Mar 27, 2026
Book Page	618/1921
Instrument	2026001210

Lender

Name	SOUTHSTATE BANK NA
Type	Bank
Address	2440 MALL DR, NORTH CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	3.7%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Aug 6, 2019
Property Address	468 ELDERBERRY RIDGE RD UNIT A202, A202, BEECH MOUNTAIN, NC 28604-6697
Document Number	0005331571
Book / Page	000533 / 001571
Instrument Date	Aug 5, 2019
Instrument	3294
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12765 AVALON COVE DR 5 JACKSONVILLE FL 32224, JACKSONVILLE, FL 32224

Mortgage

Document Number	5331575
Date	Aug 6, 2019
Book Page	000533/001575
Instrument	3295

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,049.00	$262,300 (-) Building $262,300	$262,300 (-) Building $262,300
2023	$1,049.00	$262,300 (-) Building $262,300	$262,300 (-) Building $262,300
2022	$1,049.00	$262,300 Building $262,300	$262,300 Building $262,300

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 59 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

May also be available: T-Mobile.

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