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

Avery County property record for 652 Elderberry Ridge Rd, Beech Mountain, NC 28604

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 4 ba · 2,470 sqft · built 2018
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$73,000 (May 2018)
Tax Bill	$1,437 (2025)
Deeds & Mortgages	Oct 2019 Loan Modification Oct 2018 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`61478`

Property Details

APN / Parcel Number

Primary APN	`61478`
Alternative APN	`18590058144500000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,470 sqft Heated Area
Basement Area	634 sqft
Finished Basement	602 sqft
Unfinished Basement	32 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	6 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asbestos
Lot Area	45,302 sqft (1.04 acres)
Garage Area	634 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	752 sqft
Deck Area	368 sqft
Patio Area	368 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	61478
Street Address	652 ELDERBERRY RIDGE RD
City	BEECH MOUNTAIN
State	NC
Zip	28604-8280
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	1.040 ACRES PLAT 44-176
Legal Subdivision	ELDERBERRY RDG ROAD
Legal Lot Number	6A
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1007
Census Tract	930100

Owner

Source: Avery County records, as of December 3, 2025

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 Record
Mailing Address	652 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2019	Loan Modification, Mortgage · Conventional Mortgage UNITED CMNTY BK
Oct 5, 2018	Trustee's Deed, Construction Loan · Construction Mortgage UNITED CMNTY BK
May 10, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2018 · Amount on Record
Deed Sale	May 10, 2018 · Amount on Record
Prior Sale	Jun 1, 2012
Deed Document Number	0000520974
Deed Book / Page	520 / 974
Record Updated	Jun 8, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	AVERY NC
Property Address	652 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Document Number	0005431489
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	652 ELDERBERRY RIDGE RD BEECH MOUNTAIN NC 286048280, BEECH MOUNTAIN, NC 28604-8280

Mortgage

Document Number	0005431489
Date	May 26, 2020
Book Page	000543/001489
Instrument	2314

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2050

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	AVERY NC
Recording Date	Oct 5, 2018
Property Address	652 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Document Number	0005250272
Book / Page	000525 / 000272
Instrument Date	Oct 5, 2018
Instrument	5289
Transaction Type	Construction Loan
Record Updated	Oct 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	652 ELDERBERRY RIDGE RD BEECH MOUNTAIN NC 28604, BEECH MOUNTAIN, NC 28604

Mortgage

Document Number	5250272
Date	Oct 5, 2018
Book Page	000525/000272
Instrument	5289

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	May 10, 2018
Property Address	652 ELDERBERRY RIDGE RD, BEECH MOUNTAIN, NC 28604-8280
Document Number	0005200974
Book / Page	000520 / 000974
Instrument Date	May 8, 2018
Instrument	2659
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$146.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1429 WILDERNESS TRAIL PKWY NEWLAND NC 286579728, NEWLAND, NC 28657-9728

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	$1,437.00	$359,400 (-) Land $112,500 Building $246,900	$359,400 (-) Land $112,500 Building $246,900
2023	$1,437.00 (+0.77%)	$359,400 (+0.84%) Land $112,500 Building $246,900	$359,400 (+0.84%) Land $112,500 Building $246,900
2022	$1,426.00	$356,400 Land $112,500 Building $243,900	$356,400 Land $112,500 Building $243,900

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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