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717 Ayers Rd E, Banner Elk, NC 28604 Property Records

Watauga County property record for 717 Ayers Rd E, Banner Elk, NC 28604 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,214 sqft · built 1987
Lot Size1.16 acres (50,573 sqft)
Owner2 Individual Names on File
Last Sale$550,000 (Jun 2024)
Tax Bill$1,450 (2025)
Deeds & MortgagesJun 2024 Sale & Mortgage
Nov 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN1889-89-8111-000

Property Details

APN / Parcel Number

Primary APN1889-89-8111-000
Alternative APNs
  • 1735080
  • 1861598

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Plumbing Fixtures13 Plumbing Fixtures
Total Rooms8 Rooms
Stories1 Story
Building Area2,214 sqft Living Area
1st Floor Area926 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleConventional
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area50,573 sqft (1.16 acres)
Garage TypeBasement
Parking Spaces1 Parking Space
Patio Area1,018 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number1861598
Street Address717 AYERS RD E
CityBANNER ELK
StateNC
Zip28604
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1.161AC, PB29 PG133
Legal SubdivisionRANDY G RHUXES ASSOCITIES
JurisdictionWATAUGA NC
Township / Civil DivisionWATAUGA
Census Block Group4
Census Block4012
Census Tract920900

Owner

Source: Watauga County records · APN 1889-89-8111-000

Assessment roll updated December 2, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address171 MOULTRIE ST, CHARLESTON, SC 29409-0001
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jun 14, 2024Warranty Deed, Transfer · Conventional Mortgage
STOCKTON MORTGAGE CORP
Nov 25, 2019Deed of Trust, Mortgage · Conventional Mortgage
HIGHLANDS UNION BANK
Dec 04, 2017Deed of Trust, Mortgage · Conventional with PMI
RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 14, 2024 · Amount on Record
Deed SaleJun 14, 2024 · Amount on Record
Deed Document Number2024741536
Deed Book / Page2388 / 131
Prior Transfer DateMar 30, 2023
Prior Transfer Doc0000729806
Record UpdatedSep 20, 2026

June 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateJun 14, 2024
Property Address717 AYERS RD E, BANNER ELK, NC 28604
Document Number0023880131
Book / Page2388 / 131
Map ReferenceMB 29 PG 133
Instrument DateMay 06, 2024
Instrument741536
Transaction TypeTransfer
Record UpdatedNov 28, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 611, BAYFIELD, CO 81122-0611

Transferred To (Grantee/Buyer)

NameVerified Name
Address171 MOULTRIE ST, CHARLESTON, SC 29409-0001

Mortgage

Document Number0000741537
DateJun 14, 2024
Instrument741537
Lender
NameSTOCKTON MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2054

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWATAUGA NC
Property Address717 AYERS RD E, BANNER ELK, NC 28604
Transaction TypeMortgage
Record UpdatedSep 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0020610890
DateNov 25, 2019
Book Page2061/0890
Instrument684963
Lender
NameHIGHLANDS UNION BANK
TypeBank
AddressABINGDON, VA 24210
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049
Interest
Rate TypeAdjustable Rate
Rate3.75%
Type Change DateDec 01, 2029
Change FrequencyAnnually
Index1-Year LIBOR
Margin2
Max Rate8.75%

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWATAUGA NC
Property Address717 AYERS RD E, BANNER ELK, NC 28604
Document Number0019510280
Book / Page001951 / 000280
Instrument DateDec 04, 2017
Transaction TypeMortgage
Record UpdatedJan 03, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address717 AYERS RD E BANNER ELK NC 28604, BANNER ELK, NC 28604

Mortgage

Document Number0019510280
DateDec 08, 2017
Book Page001951/000280
Instrument664408
Lender
NameRELIANCE FIRST CAP
TypeFunding / Finance Company
AddressMELVILLE, NY 11747
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 07, 2047

Tax Assessment & Valuation

Source: Watauga County records · Assessment roll updated December 2, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyWatauga County
Unified School DistrictWatauga County Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,450.00$362,800 (-) Land $37,400 Building $325,400
2024$362,800 Land $37,400 Building $325,400
2023$362,800 Land $37,400 Building $325,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Watauga County (37189C), updated May 17, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371899209004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims26 (1994–2024)
Claims Outside the SFHA13 of 26
Most Recent ClaimSep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm
  • Tropical Storm Helene, Sep 2024 · 7 claims
  • Hurricane Ivan, Sep 2004 · 10 claims
  • Tropical Storm Frances, Sep 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire LikelihoodAbout 1 in 1,429 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 36 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Loretto Telephone CompanyFiber2,000 / 2,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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