Avery County property record for 697 Rock Spring Cir, Sugar Mountain, NC 28604
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 2 ba · 1,864 sqft · built 1977 |
| Owner | Individual Name on File |
| Tax Bill | $1,321 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Dec 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 78986 |
| Primary APN | 78986 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,864 sqft Heated Area |
| Basement Area | 392 sqft |
| Finished Basement | 392 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Wood |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Garage Type | Detached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 656 sqft |
| Patio Area | 88 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Coal |
| Account Number | 78986 |
|---|---|
| Street Address | 697 ROCK SPRING CIR |
| City | SUGAR MOUNTAIN |
| State | NC |
| Zip | 28604-9493 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | R2 |
| Legal Description | SM GR FOREST I LOT 103,102 &1.98 ACRES COMBINED |
| Legal Subdivision | SM GR FOREST I |
| Legal Lot Number | 103 3 |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 930200 |
697 Rock Spring Cir, a residential property, is owned by an individual who acquired it in August 2024.
Source: Avery County records, as of December 3, 2025
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 | Individual Name on File |
|---|---|
| Mailing Address | 1110 REFLECTIONS LAKE LOOP, LAKELAND, FL 33813-5612 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2023 | Warranty Deed, Transfer |
| Dec 6, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2024 |
| Deed Sale | Aug 23, 2024 |
| Prior Sale | Dec 6, 2022 |
| Deed Document Number | 0000602876 |
| Prior Transfer Date | Mar 1, 2023 |
| Prior Transfer Doc | 2023000803 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Mar 1, 2023 |
| Property Address | 697 ROCK SPRING CIR, SUGAR MOUNTAIN, NC 28604-9493 |
| Document Number | 0000000803 |
| Book / Page | 586 / 865 |
| Map Reference | MB 3 PG 100 |
| Instrument Date | Jan 2, 2023 |
| Instrument | 2023000803 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1110 REFLECTIONS LAKE LOOP, LAKELAND, FL 33813-5612 |
| Name | Verified Name |
|---|---|
| Address | 1110 REFLECTIONS LAKE LOOP, LAKELAND, FL 33813-5612 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | Dec 6, 2022 |
| Property Address | 697 ROCK SPRING CIR, SUGAR MOUNTAIN, NC 28604-9493 |
| Document Number | 0000006812 |
| Book / Page | 584 / 833 |
| Map Reference | MB 03 PG 100 |
| Instrument Date | Oct 12, 2022 |
| Instrument | 2022006812 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1110 REFLECTIONS LAKE LOOP, LAKELAND, FL 33813-5612 |
| Name | Verified Name |
|---|---|
| Address | 1110 REFLECTIONS LAKE LOOP, LAKELAND, FL 33813-5612 |
The 2025 property tax bill for 697 Rock Spring Cir was $1,321.
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Sugar Mountain Village |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,321.00 | $194,300 Land $51,000 Building $143,300 | $194,300 Land $51,000 Building $143,300 |
| 2023 | $661.00 | $165,300 (-) Land $24,000 Building $141,300 | $165,300 (-) Land $24,000 Building $141,300 |
| 2022 | $661.00 | $165,300 Land $24,000 Building $141,300 | $165,300 Land $24,000 Building $141,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 697 Rock Spring Cir in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1997.
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 File median of 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 16 (1997–2024) |
| Claims Outside the SFHA | 13 of 16 |
| 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 697 Rock Spring Cir is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUGAR MOUNTAIN UTILITY private · serves 3,226 people · EPA ID NC0106107 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures