703 Eagle Spring Trl, Banner Elk, NC 28604 Property Records

Avery County property record for 703 Eagle Spring Trl, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,685 sqft · built 2021
Lot Size	3 acres (130,680 sqft)
Owner	2 Company Names on Record
Last Sale	$1,150,000 (Apr 2026)
Tax Bill	$3,877 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1940-13-14-0057-00000`

Property Details

APN / Parcel Number

Primary APN	`1940-13-14-0057-00000`
Alternative APN	`70896`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,685 sqft Living Area
1st Floor Area	1,024 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
View / Lot	Mountain
Porch	Open Porch
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	70896
Street Address	703 EAGLE SPRING TRL
City	BANNER ELK
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NULL
Legal Description	EAGLES NEST EAGLE SPRINGS LOT 27
Legal Subdivision	EAGLES NEST EAGLE SPRINGS
Legal Lot Number	27
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	2
Census Block	2012
Census Tract	930100

Owner

Source: Avery County records, as of April 24, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	10801 POND RIDGE DR, FORT MYERS, FL 33913-8408
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Apr 16, 2026	Warranty Deed, Transfer · Seller Carry-Back NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Feb 26, 2019 · Amount on Record
Deed Document Number	20261459
Deed Book / Page	619 / 768
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	703 EAGLE SPRING TRL, BANNER ELK, NC 28604
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006401
Date	Oct 15, 2021
Book Page	567/1898
Instrument	2021006401

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Apr 16, 2026
Property Address	703 EAGLE SPRING TRL, BANNER ELK, NC 28604
Document Number	0000001459
Book / Page	619 / 768
Instrument Date	Apr 13, 2026
Instrument	2026.1459
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	10801 POND RIDGE DR, FORT MYERS, FL 33913-8408

Mortgage

Document Number	0000001460,
Date	Apr 16, 2026
Book Page	619/770
Instrument	2026.1460

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	60 Months
Due	Apr 1, 2031

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 21, 2026

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	$3,877.00	$969,300 (-) Land $150,000 Building $819,300	$969,300 (-) Land $150,000 Building $819,300
2024	$3,877.00
2023	$3,877.00	$969,300 Land $150,000 Building $819,300	$969,300 Land $150,000 Building $819,300

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	11 (1994–2024)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims Severe Storms, Flooding, High Winds, Oct 1995 · 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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 52 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

Cell Coverage

No cell data coverage reported

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