Avery County property record for 482 John Erwin Rd, Banner Elk, NC 28604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,976 sqft · built 1974 |
| Lot Size | 18.8 acres (822,413 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $485,000 (Feb 2021) |
| Tax Bill | $831 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74927 |
| Primary APN | 74927 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,976 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 4 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Wood Shingle |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 822,413 sqft (18.8 acres) |
| Porch | Open Porch |
| Porch Area | 352 sqft |
| Storage Building | 90 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Coal |
| Account Number | 74927 |
|---|---|
| Street Address | 482 JOHN ERWIN RD |
| City | BANNER ELK |
| State | NC |
| Zip | 28604-9552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIST:2 CITY/MUNI/TWP:BANNER ELK |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 930100 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 482 JOHN ERWIN RD, BANNER ELK, NC 28604-9552 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2021 · Amount on Record |
| Deed Sale | Feb 12, 2021 · Amount on Record |
| Deed Document Number | 0005561115 |
| Deed Book / Page | 556 / 1115 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Feb 12, 2021 |
| Property Address | 482 JOHN ERWIN RD, BANNER ELK, NC 28604-9552 |
| Document Number | 0000000874 |
| Book / Page | 556 / 1115 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 2021000874 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $970.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2502 CLARKS CREEK RD, 2502, BANNER ELK, NC 28604-9058 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 482 JOHN ERWIN RD, BANNER ELK, NC 28604-9552 |
| Document Number | 0000000875 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 556/1120 |
| Instrument | 2021000875 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $831.00 | $375,600 (-) Land $219,900 Building $155,700 | $375,600 (-) Land $219,900 Building $155,700 |
| 2023 | $831.00 | $375,600 (-) Land $219,900 Building $155,700 | $375,600 (-) Land $219,900 Building $155,700 |
| 2022 | $831.00 | $375,600 Land $219,900 Building $155,700 | $375,600 Land $219,900 Building $155,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 11 (1994–2024) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 35 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 |
4G LTE only, no 5G reported
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