474 Saint Andrews Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 474 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,568 sqft · built 1972
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$208,500 (Dec 2017)
Tax Bill	$1,055 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1941-82-2443-000`

Property Details

APN / Parcel Number

Primary APN	`1941-82-2443-000`
Alternative APN	`1774654`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Metal
Lot Area	16,988 sqft (0.39 acres)
Patio Area	755 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	1774654
Street Address	474 SAINT ANDREWS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	GGGC-L 054
Legal Subdivision	GRASSY GAP BEECH MONTAIN
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1024
Census Tract	921000

Owner

474 Saint Andrews Rd is owned by two individuals who bought it in December 2017.

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

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 Record	2 Individual Names on File
Mailing Address	2520 CORAL WAY, 2, MIAMI, FL 33145-3431
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 29, 2017	Grant Deed, Transfer ATTORNEY ONLY
Jun 22, 2017	Deed in Lieu of Foreclosure, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2017 · Amount on File
Deed Sale	Dec 29, 2017 · Amount on File
Prior Sale	Apr 21, 2006 · Amount on File
Deed Document Number	2017665018
Deed Book / Page	1954 / 577
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	474 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 CORAL WAY 2-185, 2, MIAMI, FL 33145-3431

Mortgage

Document Number	0022950399
Date	Sep 6, 2022
Book Page	2295/399
Instrument	724024

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	478 Months
Due	Jul 22, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WATAUGA NC
Recording Date	Dec 29, 2017
Property Address	474 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0019540577
Book / Page	001954 / 000577
Instrument Date	Dec 21, 2017
Instrument	665018
Transaction Type	Transfer
Record Updated	Jan 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2520 CORAL WAY #2-185 MIAMI FL 331453438, 2-185, MIAMI, FL 33145-3438

June 2017: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	WATAUGA NC
Recording Date	Jun 22, 2017
Property Address	474 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number	0019240731
Book / Page	001924 / 000731
Instrument Date	May 12, 2017
Instrument	659421
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 474 Saint Andrews Rd was $1,055.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$295,700 (-) Land $15,500 Building $280,200
2025	$1,055.00	$295,700 Land $15,500 Building $280,200
2024			$295,700 Land $15,500 Building $280,200
2023		$316,900 Land $15,500 Building $301,400

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

Flood

FEMA maps place 474 Saint Andrews Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2020

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 474 Saint Andrews Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BEECH MOUNTAIN serves 2,468 people · EPA ID NC0195104
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 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 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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