481 Oak St, Boone, NC 28607 Property Records

Watauga County property record for 481 Oak St, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,385 sqft · built 1945
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Feb 2006)
Tax Bill	$2,034 (2025)
Deeds & Mortgages	May 2023 Mortgage Mar 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`2910-16-2467-000`

Property Details

APN / Parcel Number

Primary APN	`2910-16-2467-000`
Alternative APNs	`1821044` `1849760`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,385 sqft Living Area
1st Floor Area	934 sqft
Basement Area	264 sqft
Finished Basement	264 sqft
Unfinished Basement	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	144 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Water Source	Commercial

Location & Zoning

Account Number	1849760
Street Address	481 OAK ST
City	BOONE
State	NC
Zip	28607-4284
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOR1
Legal Description	LOTS 33,34,35
Legal Subdivision	JOHN N NORRIS AND WILEY COOK SUBDIVISION
Legal Lot Number	33-35
Jurisdiction	WATAUGA NC
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2006
Census Tract	920601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	17 BAKER AVE, ASHEVILLE, NC 28806-3502
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Commercial Mortgage HOMETRUST BANK
Mar 12, 2025	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Feb 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage HOMETRUST BANK
Mar 1, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Aug 12, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage JOHNSON CNTY BK
May 2, 2017	Warranty Deed, Transfer BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2006 · Amount on Record
Deed Sale	Feb 10, 2006 · Amount on Record
Prior Sale	Jun 1, 2005 · Amount on Record
Deed Document Number	200620860
Deed Book / Page	1159 / 594
Last Transfer Date	Feb 26, 2021
Transfer Doc	0021690830
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	481 OAK ST, BOONE, NC 28607-4284
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2830 RUSS CORNETT RD, BOONE, NC 28607-8070

Mortgage

Document Number	0023330085
Date	May 17, 2023
Book Page	2333/85
Instrument	731063

Lender

Name	HOMETRUST BANK
Type	Bank
Address	GREENVILLE, SC 29607

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	481 OAK ST, BOONE, NC 28607-4284
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 BAKER AVE, ASHEVILLE, NC 28806-3502

Mortgage

Document Number	0024220590
Date	Mar 12, 2025
Book Page	2422/590
Instrument	748364

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 13, 2055

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Feb 18, 2022
Property Address	481 OAK ST, BOONE, NC 28607-4284
Document Number	0022570197
Book / Page	2257 / 197
Map Reference	MB 1 PG 60
Instrument Date	Feb 17, 2022
Instrument	717253
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 BAKER AVE, ASHEVILLE, NC 28806-3502

Mortgage

Document Number	0000717254
Date	Feb 18, 2022
Instrument	717254

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 1, 2021
Property Address	481 OAK ST, BOONE, NC 28607-4284
Document Number	0021690830
Book / Page	002169 / 000830
Instrument Date	Feb 26, 2021
Instrument	702873
Transaction Type	Transfer
Record Updated	Mar 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17 BAKER AVE ASHEVILLE NC 288063502, ASHEVILLE, NC 28806-3502

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	481 OAK ST, BOONE, NC 28607-4284
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020710736
Date	Jan 21, 2020
Book Page	2071/0736
Instrument	686707

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	481 OAK ST, BOONE, NC 28607-4284
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021130347
Date	Aug 12, 2020
Book Page	2113/347
Instrument	693633

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 11, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	481 OAK ST, BOONE, NC 28607-4284
Document Number	0019550159
Book / Page	001955 / 000159
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	130 BIRCHWOOD DR BOONE NC 286079502, BOONE, NC 28607-9502

Mortgage

Document Number	0019550159
Date	Jan 5, 2018
Book Page	001955/000159
Instrument	665129

Lender

Name	JOHNSON CNTY BK
Type	Bank
Address	MOUNTAIN CITY, TN 37683

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	May 2, 2017
Property Address	481 OAK ST, BOONE, NC 28607-4284
Document Number	0019160416
Book / Page	001916 / 000416
Instrument Date	Apr 25, 2017
Instrument	657871
Transaction Type	Transfer
Record Updated	Oct 2, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 OAK ST BOONE NC 286074284, BOONE, NC 28607-4284

Mortgage

Document Number	19160420
Date	May 2, 2017
Book Page	001916/000420
Instrument	657872

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Boone 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		$267,400 (-) Land $41,200 Building $226,200
2025	$2,034.00 (-33.07%)	$267,400 (-) Land $41,200 Building $226,200
2024	$3,039.00		$267,400 Land $41,200 Building $226,200
2023		$267,400 Land $41,200 Building $226,200

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 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 Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	13 (1989–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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.

Drinking Water

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

Water System	TOWN OF BOONE serves 19,811 people · EPA ID NC0195010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Skyline Telephone, T-Mobile.

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