504 Saint Andrews Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 504 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,016 sqft · built 1991
Lot Size	0.34 acres (14,810 sqft)
Owner	Company Name on Record
Last Sale	$450,000 (May 2026)
Tax Bill	$1,423 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1941-81-0232-000`

Property Details

APN / Parcel Number

Primary APN	`1941-81-0232-000`
Alternative APNs	`1752344` `1852123`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Porch	Porch
Porch Area	136 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1852123
Street Address	504 SAINT ANDREWS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	GGGC-L 039
Legal Subdivision	GRASSY GAP GOLF COURSE
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1024
Census Tract	921000

Owner

Source: Watauga County records, as of June 15, 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	116 FROSTCLIFF LN, MOORESVILLE, NC 28117-9414
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF YAZOO CITY
Apr 27, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANKPLUS
May 29, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Apr 21, 2022	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Oct 1, 2014 · Amount on Record
Deed Document Number	2026760141
Deed Book / Page	2487 / 515
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	504 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8217
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 LAKE VILLAGE DR, MADISON, MS 39110-6522

Mortgage

Document Number	0022740301
Date	May 17, 2022
Book Page	2274/301
Instrument	720271

Lender

Name	BANK OF YAZOO CITY
Type	Bank
Address	YAZOO CITY, MS 39194

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	504 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8217
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 SHEFFIELD CT, JACKSON, MS 39211-5738

Mortgage

Document Number	0023290848
Date	Apr 27, 2023
Book Page	2329/848
Instrument	730459

Lender

Name	BANKPLUS
Type	Bank
Address	STARKVILLE, MS 39759

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	May 29, 2026
Property Address	504 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8217
Document Number	0000760141
Book / Page	2487 / 515
Instrument Date	May 22, 2026
Instrument	2026760141
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	116 FROSTCLIFF LN, MOORESVILLE, NC 28117-9414

Mortgage

Document Number	0000760142,
Date	May 29, 2026
Instrument	2026760142

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Apr 21, 2022
Property Address	504 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8217
Document Number	0022680855
Book / Page	2268 / 855
Map Reference	MB 05 PG 86
Instrument Date	Feb 24, 2022
Instrument	719328
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1180 E BROAD ST, 1180, WEST POINT, MS 39773-3238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 LAKE VILLAGE DR, MADISON, MS 39110-6522

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of December 2, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,423.00 (-65.17%)	$411,400 (-) Land $29,800 Building $381,600
2024	$4,085.00		$411,400 Land $29,800 Building $381,600
2023		$411,400 Land $29,800 Building $381,600

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

Flood

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 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2020

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.

Wildfire

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BEECH MOUNTAIN serves 2,468 people · EPA ID NC0195104
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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