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486 Upper Reach Dr, Vilas, NC 28692 Property Records

Watauga County property record for 486 Upper Reach Dr, Vilas, NC 28692 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,217 sqft · built 2004
Lot Size2 acres (87,120 sqft)
Owner2 Individual Names on File
Last Sale$404,459 (Jul 2009)
Tax Bill$1,103 (2025)
Deeds & MortgagesMar 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN1964-88-6844-000

Property Details

APN / Parcel Number

Primary APN1964-88-6844-000
Alternative APN
  • 1644045

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,217 sqft Living Area
1st Floor Area864 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleConventional
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area87,120 sqft (2 acres)
Garage TypeDetached
Garage Area972 sqft
PorchPorch
Porch Area180 sqft
Patio Area380 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Account Number1644045
Street Address486 UPPER REACH DR
CityVILAS
StateNC
Zip28692-9727
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 4E BEAVER DAM UPPER REACH
Legal SubdivisionBEAVER DAM UPPER REACH
Legal Lot Number4E
JurisdictionWATAUGA NC
Township / Civil DivisionBEAVERDAM
Census Block Group1
Census Block1006
Census Tract920200

Owner

Source: Watauga County records · APN 1964-88-6844-000

Assessment roll updated December 2, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address486 UPPER REACH DR, VILAS, NC 28692-9727
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 17, 2009 · Amount on Record
Deed SaleJul 17, 2009 · Amount on Record
Deed Document Number200973060
Deed Book / Page1459 / 478
Record UpdatedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWATAUGA NC
Property Address486 UPPER REACH DR, VILAS, NC 28692-9727
Transaction TypeMortgage
Record UpdatedMay 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0021740366
DateMar 16, 2021
Book Page2174/366
Instrument703635
Lender
NameLIFESTORE BANK
TypeBank
AddressWEST JEFFERSON, NC 28694
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueApr 01, 2041

Tax Assessment & Valuation

Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyWatauga County
Unified School DistrictWatauga County Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,103.00$268,500 (-) Land $28,100 Building $240,400
2024$268,500 Land $28,100 Building $240,400
2023$268,500 Land $28,100 Building $240,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371899202001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims18 (1989–2024)
Claims Outside the SFHA3 of 18
Most Recent ClaimSep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm
  • Tropical Storm Helene, Sep 2024 · 12 claims
  • Hurricane Ivan, Sep 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 52% of the US · above 74% of North Carolina
Wildfire LikelihoodAbout 1 in 840 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
Loretto Telephone CompanyFiber2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

No mobile data coverage reported

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