769 White Eagle Trl, Banner Elk, NC 28604 Property Records

Avery County property record for 769 White Eagle Trl, Banner Elk, NC 28604

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,547 sqft · built 2022
Lot Size	1.02 acres (44,693 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Jun 2022)
Tax Bill	$2,494 (2025)
Deeds & Mortgages	Mar 2025 Construction Loan
APN	`77506`

Property Details

APN / Parcel Number

Primary APN	`77506`
Alternative APN	`18490027677100000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Building Area	2,547 sqft Heated Area
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	44,693 sqft (1.02 acres)
Porch	Open Porch
Porch Area	342 sqft
Deck Area	847 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	77506
Street Address	769 WHITE EAGLE TRL
City	BANNER ELK
State	NC
Zip	28604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLES NEST THE VILLAGE LOT 100
Legal Subdivision	EAGLES NEST THE VILLAGE
Legal Lot Number	100
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	2
Census Block	2012
Census Tract	930100

Owner

Source: Avery County records · APN 77506

Assessment roll updated January 1, 2025 · Last verified December 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 File
Mailing Address	938 FOLIAGE LN, CHARLESTON, SC 29412-4261
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Deed Document Number	0005781502
Record Updated	Jun 08, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	769 WHITE EAGLE TRL, BANNER ELK, NC 28604
Transaction Type	Mortgage
Record Updated	Dec 04, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 FOLIAGE LN, CHARLESTON, SC 29412-4261

Mortgage

Document Number	0000000738
Date	Mar 03, 2025
Book Page	606/2373
Instrument	2025000738

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	PO BOX 670, BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Mar 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 01, 2027
Change Frequency	6 Months
Min Rate At Change	7.12%
Max Rate At Change	8.12%
Index	Other
Max Rate	11.1%

Tax Assessment & Valuation

Source: Avery County records · Assessment roll updated January 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,494.00	$623,600 (+315.73%) Land $150,000 Building $473,600	$623,600 (+315.73%) Land $150,000 Building $473,600
2023		$150,001 Land $150,000 Building $1	$150,001 Land $150,000 Building $1

Flood & Wildfire

Source: FEMA NFIP claims and policies as of September 2026 · Last verified October 2026

Flood

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.