Watauga County property record for 686 Waterstone Dr, Boone, NC 28607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,698 sqft · built 2007 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual Name on File |
| Last Sale | $519,000 (Aug 2008) |
| Tax Bill | $1,823 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2922-25-8182-000 |
| Primary APN | 2922-25-8182-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,698 sqft Living Area |
| 1st Floor Area | 1,898 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Asphalt |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 42 sqft |
| Patio Area | 463 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 1635658 |
|---|---|
| Street Address | 686 WATERSTONE DR |
| City | BOONE |
| State | NC |
| Zip | 28607-5540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15A WATERSTONE |
| Legal Subdivision | WATERSTONE |
| Legal Lot Number | 15A |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | MEAT CAMP |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 920100 |
686 Waterstone Dr is owned and occupied by an individual who bought it in August 2008.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 686 WATERSTONE DR, BOONE, NC 28607-5540 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2008 · Amount on File |
| Deed Sale | Aug 28, 2008 · Amount on File |
| Prior Sale | Sep 27, 2006 · Amount on File |
| Deed Document Number | 200899230 |
| Deed Book / Page | 1396 / 741 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 686 WATERSTONE DR, BOONE, NC 28607-5540 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021700255 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 2170/255 |
| Instrument | 702940 |
| Name | MORTGAGE ASSURANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30338 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 686 Waterstone Dr was $1,823.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $464,400 (-) Land $51,900 Building $412,500 | ||
| 2025 | $1,823.00 | $464,400 Land $51,900 Building $412,500 | |
| 2024 | $464,400 Land $51,900 Building $412,500 | ||
| 2023 | $464,400 Land $51,900 Building $412,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Waterstone Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1996.
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 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 14 (1996–2024) |
| Claims Outside the SFHA | 1 of 14 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 686 Waterstone Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 74% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 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 |
5G (outdoors only) and 4G LTE
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