627 Main St E, Banner Elk, NC 28604 Property Records

Avery County property record for 627 Main St E, Banner Elk, NC 28604

Property Summary

Property Type	Commercial
Details	3 bd · 1.5 ba · 1,382 sqft · built 1939
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (May 2016)
Tax Bill	$1,063 (2025)
Deeds & Mortgages	Apr 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`1859-18-41-8754-00000`

Property Details

APN / Parcel Number

Primary APN	`1859-18-41-8754-00000`
Alternative APN	`47622`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,382 sqft Gross Area
1st Floor Area	1,004 sqft
Basement Area	499 sqft
Flooring	Vinyl/Resilient
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1999
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	382 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	121 sqft
Deck Area	Deck Area
Storage Building	72 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	47622
Street Address	627 MAIN ST E
City	BANNER ELK
State	NC
Zip	28604-9240
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C1P
Legal Description	NULL
Legal Lot Number	72
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1042
Census Tract	930100

Owner

627 Main St E, a commercial property, is owned by two individuals who bought it in May 2016.

Source: Avery County records, as of October 9, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	931 SHAWNEEHAW AVE, BANNER ELK, NC 28604-9706
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2016 · Amount on File
Deed Sale	May 11, 2016 · Amount on File
Deed Document Number	20161410
Deed Book / Page	499 / 1626
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Apr 23, 2020
Property Address	627 MAIN ST E, BANNER ELK, NC 28604-9240
Document Number	0005421578
Book / Page	000542 / 001578
Instrument Date	Apr 23, 2020
Instrument	1873
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 695 BANNER ELK NC 286040695, BANNER ELK, NC 28604-0695

Tax Assessment & Valuation

The 2025 property tax bill for 627 Main St E was $1,063.

Source: Avery County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Banner Elk Town
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,063.00	$126,800 Land $51,800 Building $75,000	$126,800 Land $51,800 Building $75,000
2023	$494.00	$123,700 (-) Land $51,800 Building $71,900	$123,700 (-) Land $51,800 Building $71,900
2022	$494.00	$123,700 Land $51,800 Building $71,900	$123,700 Land $51,800 Building $71,900

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

Flood

FEMA maps place 627 Main St E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 43 individual policies
Nearby Flood Policies	47 units insured incl. 4 condo units
Nearby Flood Claims	16 (1995–2024)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Hurricane Ivan, Sep 2004 · 3 claims

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 627 Main St E is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 BANNER ELK serves 1,164 people · EPA ID NC0106015
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 46 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