650 Elderberry Ridge Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 650 Elderberry Ridge Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual on Record
Last Sale	$120,000 (Apr 2022)
Tax Bill	$360 (2025)
Deeds & Mortgages	Apr 2022 Sale Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`77605`

Property Details

APN / Parcel Number

Primary APN	`77605`
Alternative APN	`18590058255600000`

Exterior

Lot Area	32,670 sqft (0.75 acres)

Location & Zoning

Account Number	77605
Street Address	650 ELDERBERRY RIDGE RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75 ACRE PLAT 44-176
Legal Subdivision	MOUNTAIN GLEN RESORTS
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1007
Census Tract	930100

Owner

Source: Avery County assessment roll, as of January 1, 2025

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

Owner of Record	Individual on Record
Co-owner	2 Co-owners on Record
Mailing Address	652 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Warranty Deed, Transfer
Jul 14, 2020	Warranty Deed, Transfer · VA Mortgage UNITED CMNTY BK
Oct 10, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 25, 2022 · Amount on Record
Deed Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	0000576994
Deed Book / Page	576 / 994
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Apr 25, 2022
Property Address	650 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Document Number	0000002452
Book / Page	576 / 994
Map Reference	MB 44 PG 176
Instrument Date	Apr 7, 2022
Instrument	2022002452
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4120 SE WHITICAR WAY, 4120, STUART, FL 34997-6148

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	652 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Jul 14, 2020
Property Address	650 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Document Number	0005451337
Book / Page	000545 / 001337
Instrument Date	Jun 22, 2020
Instrument	3279
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$180.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12387 S INDIAN RIVER DR JENSEN BEACH FL 349572254, JENSEN BEACH, FL 34957-2254

Mortgage

Document Number	5451341
Date	Jul 14, 2020
Book Page	000545/001341
Instrument	3280

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Oct 10, 2018
Property Address	650 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Document Number	0005250548
Book / Page	000525 / 000548
Instrument Date	Oct 5, 2018
Instrument	5351
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	441 VALLE CAY DR VILAS NC 286928705, VILAS, NC 28692-8705

Mortgage

Document Number	5250557
Date	Oct 10, 2018
Book Page	000525/000557
Instrument	5353

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	NEWLAND, NC 28657

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 9, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$360.00	$90,000 (-) Land $90,000	$90,000 (-) Land $90,000
2023	$360.00	$90,000 (-) Land $90,000	$90,000 (-) Land $90,000
2022	$360.00	$90,000 Land $90,000	$90,000 Land $90,000

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 January 9, 2025 · 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 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

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 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.

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