Watauga County property record for 490 Willow Mountain Dr, Vilas, NC 28692
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 1,248 sqft · built 1987 |
| Lot Size | 4.05 acres (176,418 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Jun 2016) |
| Tax Bill | $1,103 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1990-16-4539-000 |
| Primary APN | 1990-16-4539-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 176,418 sqft (4.05 acres) |
| Patio Area | 1,264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1762606 |
|---|---|
| Street Address | 490 WILLOW MOUNTAIN DR |
| City | VILAS |
| State | NC |
| Zip | 28692-8954 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LOTS WILLOW MTN P018/336 |
| Legal Subdivision | WILLOW MTN |
| Legal Lot Number | W |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | WATAUGA |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 920900 |
Source: Watauga County records, as of May 27, 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 | 490 WILLOW MOUNTAIN DR, VILAS, NC 28692-8954 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Aug 3, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2016 · Amount on Record |
| Deed Sale | Jun 3, 2016 · Amount on Record |
| Deed Document Number | 2016647800 |
| Deed Book / Page | 1862 / 875 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 490 WILLOW MOUNTAIN DR, VILAS, NC 28692-8954 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0024720185 |
|---|---|
| Date | Feb 11, 2026 |
| Book Page | 2472/185 |
| Instrument | 757435 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 490 WILLOW MOUNTAIN DR, VILAS, NC 28692-8954 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0022090714 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 2209/714 |
| Instrument | 709523 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 490 WILLOW MOUNTAIN DR, VILAS, NC 28692-8954 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0022090729 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 2209/729 |
| Instrument | 709524 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | BOONE, NC 28607 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Watauga County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,103.00 | $268,400 (-) Land $72,500 Building $195,900 | |
| 2024 | $268,400 Land $72,500 Building $195,900 | ||
| 2023 | $268,400 Land $72,500 Building $195,900 |
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 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 26 (1994–2024) |
| Claims Outside the SFHA | 13 of 26 |
| 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 | 0.05% 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.
Source: FCC Broadband Data Collection, based on 92 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 |
May also be available: Verizon.
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