501 Charter Hills Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 501 Charter Hills Rd, Beech Mountain, NC 28604 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,592 sqft · built 1974
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jun 2024)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1950-34-5762-000`

Property Details

APN / Parcel Number

Primary APN	`1950-34-5762-000`
Alternative APNs	`1632141` `1861694`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,592 sqft Living Area
1st Floor Area	1,080 sqft
Attic	Attic
Attic Area	540 sqft
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Patio Area	812 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1861694
Street Address	501 CHARTER HILLS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARTER HILLS A 095
Legal Subdivision	CHARTER HILLS
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1076
Census Tract	921000

Owner

Source: Watauga County records · APN 1950-34-5762-000

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

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

Owner of Record	2 Individual Names on File
Mailing Address	501 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2024 · Amount on Record
Deed Sale	Jun 19, 2024 · Amount on Record
Deed Document Number	2024741642
Deed Book / Page	2388 / 653
Prior Transfer Date	Dec 17, 2007
Prior Transfer Doc	0013470604
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Recording Date	Jul 06, 2026
Property Address	501 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8043
Document Number	0000761100
Book / Page	2492 / 452
Instrument Date	Jul 02, 2026
Instrument	2026761100
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8043

Mortgage

Document Number	0000761100,
Date	Jul 06, 2026
Book Page	2492/452
Instrument	2026761100

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Beech Mountain Town
County	Watauga County
Unified School District	Watauga 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,540.00 (-61.06%)	$414,500 (+21.95%) Land $16,400 Building $398,100
2024	$3,955.00		$397,900 Land $16,400 Building $381,500
2023		$339,900 Land $16,400 Building $323,500

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 371899210001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 16 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force 3 of 16 on primary residences
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2020

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct 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.