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

Watauga County property record for 514 Charter Hills Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 880 sqft · built 1968
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Sep 2020)
Tax Bill	$696 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1950-45-0083-000`

Property Details

APN / Parcel Number

Primary APN	`1950-45-0083-000`
Alternative APN	`1816082`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	880 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Patio Area	496 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1816082
Street Address	514 CHARTER HILLS RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BMR2
Legal Description	CHARTER HILLS A 108
Legal Subdivision	CHARTER HILLS
Jurisdiction	WATAUGA NC
Township / Civil Division	LAUREL CREEK
Census Block Group	1
Census Block	1082
Census Tract	921000

Owner

514 Charter Hills Rd is owned by two individuals who bought it in September 2020.

Source: Watauga County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2903 BUCKINGHAM RD, DURHAM, NC 27707-4630
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2020 · Amount on File
Deed Sale	Sep 17, 2020 · Amount on File
Deed Document Number	2020695318
Deed Book / Page	2123 / 420
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Sep 17, 2020
Property Address	514 CHARTER HILLS RD, BEECH MOUNTAIN, NC 28604-8043
Document Number	0021230420
Book / Page	2123 / 420
Map Reference	MB 4 PG 42
Instrument Date	Sep 17, 2020
Instrument	695318
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 SIMS CIR, 128, WAYNESVILLE, NC 28786-3036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 BUCKINGHAM RD, DURHAM, NC 27707-4630

Mortgage

Document Number	695319
Date	Sep 17, 2020
Instrument	695319

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 1, 2025
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 514 Charter Hills Rd was $696.

Source: Watauga County assessment roll, as of October 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,900 (-) Land $19,600 Building $163,300
2025	$696.00	$182,900 Land $19,600 Building $163,300
2024			$182,900 Land $19,600 Building $163,300
2023		$182,900 Land $19,600 Building $163,300

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

Flood

FEMA maps place 514 Charter Hills Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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 File 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

Wildfire risk around 514 Charter Hills Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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 162 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
T-Mobile Fixed Wireless	100 / 20