Watauga County property record for 490 Howards Knob Rd, Boone, NC 28607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,472 sqft · built 1990 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | Company Name on Record |
| Deeds & Mortgages | Aug 2020 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2901-93-8108-000 |
| Primary APN | 2901-93-8108-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,472 sqft Living Area |
| 1st Floor Area | 1,872 sqft |
| Basement Area | 1,578 sqft |
| Finished Basement | 420 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Asphalt |
| Lot Area | 33,977 sqft (0.78 acres) |
| Garage Area | 484 sqft |
| Porch | Porch |
| Porch Area | 540 sqft |
| Patio Area | 612 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1867407 |
|---|---|
| Street Address | 490 HOWARDS KNOB RD |
| City | BOONE |
| State | NC |
| Zip | 28607-7549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E2R1 |
| Legal Description | LOT 8 HOWARDS KNOB SEC 1 |
| Legal Subdivision | HOWARDS KNOB |
| Legal Lot Number | 8 |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | BRUSHY FORK |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 920400 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 111 N BRUNS AVE, CHARLOTTE, NC 28216-5504 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC |
| Sep 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2025 |
| Deed Sale | Aug 28, 2025 |
| Prior Sale | Mar 21, 2025 · Amount on Record |
| Deed Document Number | 2025752951 |
| Deed Book / Page | 2447 / 850 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 490 HOWARDS KNOB RD, BOONE, NC 28607-7549 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021170877 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 2117/877 |
| Instrument | 694409 |
| Name | RESOURCE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, SC 29205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 490 HOWARDS KNOB RD, BOONE, NC 28607-7549 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0019360676 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 1936/0676 |
| Instrument | 661760 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2037 |
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $421,200 (-) Land $85,700 Building $335,500 | |
| 2025 | $421,200 (-) Land $85,700 Building $335,500 | |
| 2024 | $421,200 Land $85,700 Building $335,500 | |
| 2023 | $421,200 Land $85,700 Building $335,500 |
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 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 29 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 29 in force |
| Nearby Flood Claims | 20 (1989–2025) |
| Claims Outside the SFHA | 12 of 20 |
| Most Recent Claim | May 2025 · rainfall accumulation |
| 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 | 0.05% 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 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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