682 Saddle Rd, Boone, NC 28607 Property Records

Watauga County property record for 682 Saddle Rd, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,445 sqft · built 2004
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Trust Names on File
Last Sale	$1,200,000 (Jan 2022)
Tax Bill	$2,705 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1991-68-6657-000`

Property Details

APN / Parcel Number

Primary APN	`1991-68-6657-000`
Alternative APNs	`1991685674000` `1847159` `1848588`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,445 sqft Living Area
1st Floor Area	1,630 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Logs
Roof Material	Asphalt
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	449 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	1848588
Street Address	682 SADDLE RD
City	BOONE
State	NC
Zip	28607-3430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 34A & 35A REV, PB25 PG474
Legal Subdivision	A AND 35A REV. TRACTS A B CONTAINING 1
Legal Lot Number	34A,35A
Jurisdiction	WATAUGA NC
Township / Civil Division	NEW RIVER
Census Block Group	4
Census Block	4035
Census Tract	920400

Owner

682 Saddle Rd is held in a trust since January 2022.

Source: Watauga County records, as of October 13, 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 Trust Names on File
Mailing Address	5232 CORNETTO BLFS, ROUND ROCK, TX 78665-2322
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Jan 28, 2022	Warranty Deed, Transfer
Nov 23, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2022 · Amount on File
Deed Sale	Jan 28, 2022 · Amount on File
Deed Document Number	2022716497
Deed Book / Page	2252 / 364
Prior Transfer Date	Nov 18, 2021
Prior Transfer Doc	0022380420
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATAUGA NC
Property Address	682 SADDLE RD, BOONE, NC 28607-3430
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022700718
Date	Apr 29, 2022
Book Page	2270/718
Instrument	719658

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	May 1, 2037
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.12%
Index	Other
Margin	3
Max Rate	13.1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Jan 28, 2022
Property Address	682 SADDLE RD, BOONE, NC 28607-3430
Document Number	0022520364
Book / Page	2252 / 364
Map Reference	MB 1604 PG 523
Instrument Date	Jan 20, 2022
Instrument	716497
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Tax	$2,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5509 POINT LAKE CT, TALENT, OR 97540

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATAUGA NC
Recording Date	Nov 23, 2021
Property Address	682 SADDLE RD, BOONE, NC 28607-3430
Document Number	0022380420
Book / Page	2238 / 420
Map Reference	MB 25 PG 474
Instrument Date	Nov 18, 2021
Instrument	714227
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	361 NW 131ST AVE, PLANTATION, FL 33325-2215

Tax Assessment & Valuation

The 2025 property tax bill for 682 Saddle Rd was $2,705, up 0.4% from the year before.

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$685,300 (-) Land $65,900 Building $619,400
2025	$2,705.00 (+0.45%)	$685,300 Land $65,900 Building $619,400
2024	$2,693.00		$685,300 Land $65,900 Building $619,400
2023		$685,300 Land $65,900 Building $619,400

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

Flood

FEMA maps place 682 Saddle Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 682 Saddle Rd is moderate, ranking above 46% 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 46% of the US · above 67% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Saddle Rd

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