Avery County property record for 727 Main St E, Banner Elk, NC 28604
| Property Type | Self Storage |
|---|---|
| Details | 18,175 sqft · built 2020 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (May 2019) |
| Tax Bill | $2,917 (2025) |
| Deeds & Mortgages | Mar 2021 Construction Loan May 2020 Construction Loan + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 71158 |
| Primary APN | 71158 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 18,175 sqft Total Area |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Metal |
| Construction Type | Concrete Block |
| Fire Resistance | Wood or Wood & Steel Frame |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Cooling System | None |
|---|
| Account Number | 71158 |
|---|---|
| Street Address | 727 MAIN ST E |
| City | BANNER ELK |
| State | NC |
| Zip | 28604 |
| Property Category | Industrial |
| Property Type | Industrial > Self Storage |
| Local Zoning Code | C1P |
| Legal Description | DIST:2 CITY/MUNI/TWP:BANNER ELK |
| Jurisdiction | AVERY NC |
| Township / Civil Division | BANNER ELK |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 930100 |
Source: Avery County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 555, LINVILLE, NC 28646-0555 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Construction Mortgage NEW PEOPLES BANK INC |
| May 1, 2020 | Deed of Trust, Construction Loan · Construction Mortgage JANE E ROWLAND |
| May 2, 2019 | Grant Deed, Transfer · Line of Credit HIGHLANDS UNION BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2019 · Amount on Record |
| Deed Sale | May 2, 2019 · Amount on Record |
| Prior Sale | Jan 15, 2010 · Amount on Record |
| Deed Document Number | 0005301913 |
| Deed Book / Page | 530 / 1913 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Property Address | 727 MAIN ST E, BANNER ELK, NC 28604 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 291 HILL ST, BOONE, NC 28607-4619 |
| Document Number | 0000001765 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 558/728 |
| Instrument | 2021001765 |
| Name | NEW PEOPLES BANK INC |
|---|---|
| Type | Bank |
| Address | BOONE, NC 28607 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | May 1, 2020 |
| Property Address | 727 MAIN ST E, BANNER ELK, NC 28604 |
| Document Number | 0005422343 |
| Book / Page | 000542 / 002343 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 1985 |
| Transaction Type | Construction Loan |
| Record Updated | May 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Document Number | 5422343 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 000542/002343 |
| Instrument | 1985 |
| Name | JANE E ROWLAND |
|---|---|
| Address | 3320 WINGED FOOT DR, SALISBURY, NC 28144-8408 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 30, 2021 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | AVERY NC |
| Recording Date | May 2, 2019 |
| Property Address | 727 MAIN ST E, BANNER ELK, NC 28604 |
| Document Number | 0005301913 |
| Book / Page | 000530 / 001913 |
| Instrument Date | May 1, 2019 |
| Instrument | 1747 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $320.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | MAIN ST E BANNER ELK NC 28604, BANNER ELK, NC 28604 |
| Document Number | 5301916 |
|---|---|
| Date | May 2, 2019 |
| Book Page | 000530/001916 |
| Instrument | 1748 |
| Name | HIGHLANDS UNION BK |
|---|---|
| Type | Bank |
| Address | ABINGDON, VA 24212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Avery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Avery County |
| Municipality | Banner Elk Town |
| Unified School District | Avery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,917.00 (+114.96%) | $339,300 (-) Land $87,100 Building $252,200 | $339,300 (-) Land $87,100 Building $252,200 |
| 2023 | $1,357.00 | $339,300 (-) Land $87,100 Building $252,200 | $339,300 (-) Land $87,100 Building $252,200 |
| 2022 | $1,357.00 | $339,300 Land $87,100 Building $252,200 | $339,300 Land $87,100 Building $252,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 43 individual policies |
| Nearby Flood Policies | 47 units insured incl. 4 condo units |
| Nearby Flood Claims | 16 (1995–2024) |
| Claims Outside the SFHA | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 64% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF BANNER ELK serves 1,164 people · EPA ID NC0106015 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2026) 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.
Source: FCC Broadband Data Collection, based on 46 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 |
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